What do you save by bundling roof and siding work?

The savings come from repeated labor and setup: one crew mobilization, one debris plan, combined permits, and fascia, soffit, and gutter work done while everything is accessible. The amount depends on the size, pitch, and condition of the house.

Does North Dakota have a siding matching rule for insurance claims?

North Dakota has no matching statute, while Minnesota has a matching rule that can require a uniform appearance across an elevation when siding cannot be matched, so outcomes can differ between Fargo and Moorhead.

Should You Replace Your Roof and Siding at the Same Time in Fargo-Moorhead?

Q: Should you replace your roof and siding at the same time?

In most cases yes, especially when both are near the end of their life or hail damaged both. Flashing where the roof meets the walls has to be installed in the right order with the siding, and bundling avoids opening those details twice.

Caleb Cook

3 days ago

3 min read

Yes, in most cases it makes sense to replace the roof and the siding at the same time, especially when both are near the end of their life or when hail has damaged both. Dodd Roofing and Exteriors sees the biggest payoff in Fargo-Moorhead where the roof meets the walls, because the flashing and the siding have to work together to keep water out. Doing one job and then the other means opening up the same details twice.

This guide covers what bundling actually saves, when it does not make sense, and how to schedule the work before the ground freezes. The short version: if either one is within a few years of replacement, plan them together.

Why does bundling matter where the roof meets the wall?

Every sidewall, dormer, and chimney chase has step flashing that runs up behind the siding. To replace that flashing properly, the bottom courses of siding have to be loosened or removed. If you reroof first and side later, the siding crew either cuts around flashing that was reused, or the roofer has to reopen the siding anyway. Done together, new flashing goes in, the weather barrier is lapped correctly over it, and the new siding closes the detail in the right order. That order is the most common thing shortcut jobs get wrong, and it is where leaks start years later.

What do you actually save by doing both jobs together?

You avoid paying for two separate setups. One crew mobilizes once, one debris plan covers both jobs, permits and inspections are handled together, and the fascia, soffit, and gutter work happens while everything is easy to reach. Material prices stay the same, so the savings come from repeated labor and setup. How much depends on the size, pitch, and condition of the house, so ask for a bundled estimate and a separate estimate for each job, then compare the line items.

You also choose colors once. Picking shingle, siding, trim, and gutter colors as a set avoids a new roof that clashes with siding you installed a few years earlier.

When does it make sense to do only one?

Bundling is not always the right call. If the roof is only a few years old and the siding is failing, replace the siding and leave the roof alone. If the siding is sound and only the roof is worn out, the roof alone can be the better choice, although the flashing at the walls still needs to be done correctly, which sometimes means removing and reinstalling a few courses of siding. Older vinyl can turn brittle in the cold and crack during removal, so ask your contractor how they handle it. A free inspection will tell you which situation you are in before you commit to anything.

How do hail claims and the matching rule affect the plan?

If hail damaged both the roof and the siding, file one claim that covers the roof, siding, gutters, and window wraps instead of two claims at different times. Our guide to hail damage to gutters and siding in Fargo explains the one claim approach. On the Minnesota side, a state matching rule can require an insurer to bring a whole elevation to a uniform look when siding cannot be matched, while North Dakota has no matching statute, so the outcome in Fargo can differ from Moorhead. Read our Minnesota matching rule guide for Moorhead before you accept a partial payout.

What is different about Fargo and Moorhead homes?

Older homes near Hawthorne, Roosevelt, and central Moorhead often have original wood fascia and soffit that rot behind the gutters, so replacing the roof and siding together gives you a chance to rebuild those edges properly. Newer subdivisions in south Fargo, West Fargo, and Horace tend to have shingles and vinyl installed in the same year, which means both wear out together after years of hail and deep cold cycling. Our exteriors team handles roofing, siding, gutters, and windows as one project so a single crew owns the whole building envelope.

How do you schedule and pay for it before winter?

Shingles need warm enough days to seal, roughly 40 degrees, so roof work in Fargo-Moorhead has a window that closes in late October or early November. Siding can go on later in cold weather with the right materials and fasteners. Start with an inspection now so measurements, material orders, and permits are finished before the first snow. Ask about the options on our financing page, and browse the homeowner guide library for related questions. To get started, call Dodd Roofing and Exteriors at (701) 831-0710.