Replacements, repairs, and hail-damage insurance claims for Matthews homeowners across 28104 and 28105 — from the historic homes near downtown Matthews and Crestdale to the newer subdivisions of Stevens Mill, Heritage at Matthews, and Twelve Oaks. Locally owned, fully insured, and crews on the road in Matthews nearly every week.
Matthews is its own town with its own history — a 19th-century railroad stop turned modern suburb. The mix of historic downtown homes, post-war neighborhoods, and 2000s-era subdivisions means a one-size-fits-all approach doesn't work here.
Incorporated in 1879, Matthews sits in southeastern Mecklenburg County with around 32,000 residents spread across 17 square miles. The town grew up around the Carolina Central Railroad depot on what is now Trade Street and was named after Edward Matthews, a railroad official. Modern Matthews is a mix of three eras of housing stock — the late-1800s and early-1900s homes around the historic district and Crestdale, the post-war ranches built between Trade Street and Independence Boulevard, and the explosion of 2000s-era subdivisions across the eastern half of town in the 28104 zip code.
The right approach to a Matthews roof depends heavily on which part of town you're in:
Matthews sits squarely inside the "Carolina hail alley" — the same severe-storm corridor that hammers Charlotte, Mint Hill, and Indian Trail. The April 2017 hailstorm caused widespread damage from Matthews east through Stallings and Indian Trail. Matthews subdivisions with open-lot orientation (Stevens Mill, Heritage, Matthews Plantation) tend to take harder hail hits than tree-canopied older neighborhoods near downtown. We see major hail events in this zip code roughly every 2–3 years, and most of our Matthews work is insurance-claim driven for that reason.
If your shingles are 8+ years old and you've been through a recent hail or high-wind event, request a free inspection. We document any damage in writing and coordinate directly with your insurance carrier.
The older, more established sections of Matthews — particularly along Pleasant Plains, the streets around Matthews Elementary, and the downtown grid — have mature oak and pine canopy that creates familiar problems for asphalt shingle roofs:
Downtown Matthews — the area along Trade Street, John Street, North Trade, and the surrounding blocks — was added to the National Register of Historic Places in 2008 as the "Matthews Historic District." Properties inside the district have additional design considerations for visible exterior changes, including roof material and color. We've completed multiple Matthews historic-district replacements and handle the documentation and material approval for you. If you're not sure whether your home falls inside the boundary, send us your address and we'll check before the estimate.
Most Matthews subdivisions have architectural review committees that pre-approve shingle color and material before installation. Color and material samples have to be submitted in advance. We handle those packets so you don't have to. The Matthews HOAs we work with most often:
Large 28104 master-planned community with detailed ARC standards. Approved earth-tone shingle palette.
Active ARC. Pre-approved shingle color list. We've submitted packets here many times.
Established community with long-running architectural review committee.
ARC review required for any visible exterior change including shingle replacement.
Standardized shingle palette across the community. Quick turnaround on packets.
Older sections without formal HOAs — Historic District rules may apply instead.
If you're not sure whether your community has an ARC or whether your home is in the Historic District, send us your address when you call and we'll tell you before the estimate.
A few examples from the last 12 months across Matthews and the immediately adjacent towns:
Most Matthews calls fall into one of these six categories. If your situation doesn't fit neatly, we'll still give you a straight answer.
Full tear-off and replacement using Owens Corning, IKO, or GAF systems. We'll match the visual character of your Matthews subdivision and submit HOA paperwork where required.
Targeted repairs for leaks, missing shingles, flashing failures, pipe-boot cracks, and tree-impact damage. Most Matthews repairs scheduled within the same week.
Free post-storm inspections, documentation packages for your insurance carrier, and on-site adjuster meetings. We've handled hundreds of hail claims across Matthews and the broader hail belt.
Pre-listing inspections for sellers, due-diligence inspections for buyers, and post-storm assessments. Written reports with photos, ready to share with insurance or your realtor.
Seamless 5"/6" aluminum and copper gutters, leaf-guard add-ons, and downspout re-routing. Critical for pine-heavy Matthews lots where standard gutters clog out faster than average.
TPO, EPDM, modified bitumen, and standing-seam metal for Matthews businesses along Independence and Sardis Road corridors. Includes maintenance contracts and warrantied repairs.
Most Charlotte-area roofers offer 1–2 year workmanship warranties. We offer five — and we honor every claim, no questions asked.
If anything fails because of how we installed your roof — leaks, lifted shingles, flashing failure, anything — we fix it at no cost for five full years. No fine print, no deductible, no "wear and tear" loopholes. We installed it; we own it.
This sits on top of Owens Corning's lifetime limited warranty on the shingle materials themselves. As an Owens Corning Preferred Contractor, we can also offer extended warranty options that include labor and tear-off coverage on qualifying systems.
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Certified to install Owens Corning's full shingle line, including extended manufacturer warranties only Preferred Contractors can offer.
We meet your adjuster on-site, document the full scope of storm damage, and advocate for everything your policy covers — at no extra cost.
We submit ARC packets for Stevens Mill, Heritage at Matthews, Matthews Plantation, Twelve Oaks and others — and handle Matthews Historic District documentation for downtown homes.
We're not a national franchise routing leads. Our crews are working in 28104 and 28105 nearly every week, which means faster scheduling and faster repair turnarounds.
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📞 704-396-8383Asphalt-shingle replacement on a typical Matthews home runs $8,500 to $20,000. The variables: square footage, roof pitch, decking condition, shingle line, and HOA-approved color requirements.
Smaller older homes near downtown Matthews and Crestdale usually fall on the lower end ($8,500–$13,000). Two-story homes in Stevens Mill, Heritage at Matthews, Matthews Plantation, and Twelve Oaks typically run $14,000–$20,000. Steeper or cut-up roofs cost more because of extra labor and waste.
Most Matthews subdivisions have ARCs that approve color and material before installation — Stevens Mill, Heritage at Matthews, Matthews Plantation, Camille Park, Twelve Oaks, and most other 28104 communities. We submit the architectural review packet — including shingle samples and color renderings — on your behalf. Older sections near downtown Matthews and Crestdale generally don't have HOAs but may fall inside the Matthews Historic District.
Yes — the Matthews Historic District covers Trade Street, John Street, and surrounding blocks and was added to the National Register of Historic Places in 2008. Homes inside the district have additional design considerations for visible exterior changes, including roof material and color. We've completed multiple historic-district replacements and handle documentation for you. Send us your address and we'll confirm whether you fall inside the boundary.
Possibly. Matthews is in the Charlotte hail belt, and the typical claim window is one year from the date of the storm event (sometimes longer depending on your carrier).
If your shingles are 8+ years old and you've been through a hail or high-wind event recently, request a free inspection from us. We'll document any damage in writing — and if it's not enough to justify a claim, we'll tell you that too.
Most Matthews residential replacements are 1–2 days from tear-off to cleanup. Larger or steeper roofs (3,500+ sq ft, 8/12+ pitch) may take 3 days. Commercial scopes vary. We always give you the exact schedule before signing.
Two layers. The first is our 5-year full workmanship warranty — the longest in the Charlotte-metro roofing industry. If anything fails because of how we installed it, we fix it at no cost for five full years. No fine print, no deductible, no "wear and tear" exclusions, no questions asked. Most Charlotte-area roofers offer 1–2 year workmanship warranties; we offer five.
The second is the manufacturer's lifetime limited warranty on the shingle materials themselves. As an Owens Corning Preferred Contractor we can also offer extended manufacturer warranty options that include labor and tear-off coverage on qualifying systems for additional decades.
Yes. Charlotte Ace Roofing is fully insured — we carry general liability and workers' comp insurance, and proof of insurance is included with every estimate. We're an Owens Corning Preferred Contractor and BBB A+ accredited. Always verify a roofer's insurance before hiring.
Architectural asphalt shingles (Owens Corning Duration, Duration STORM, TruDefinition; IKO Cambridge; GAF Timberline HDZ), standing-seam and exposed-fastener metal, synthetic slate, and TPO/EPDM/modified-bitumen flat-roof systems. We'll recommend the right system for your Matthews home, lot orientation, and HOA constraints.
Yes — we partner with several home-improvement lenders to offer flexible financing, including 0% intro APR options for qualified buyers. Ask about it on your free estimate call.
Charlotte Ace Roofing serves homeowners across Mecklenburg, Union, Cabarrus, Iredell, Gaston, Lincoln, and York counties. Click your area below.
We service the entire Charlotte metro region. Call for a free estimate.
📞 704-396-8383