If insurance is paying
For a covered claim, we bill the carrier's approved scope and you pay your deductible. If your policy pays actual cash value or uses a roof payment schedule, you may owe the difference between the payout and the full cost — financing can cover that gap.
Financing a replacement
Financing spreads the cost over monthly payments. Compare the APR, the term, any promotional period and what happens when it ends, and whether there's a prepayment penalty. A longer term lowers the monthly payment but usually costs more overall. We'll show you current terms with the estimate.
Paying directly
We accept cash, check, card or ACH. Payments are tied to milestones — never full payment up front. Be cautious of any roofer who wants the whole amount before work starts.
Ways to keep the cost honest
- Get a written, line-item estimate
- Ask what's included for rotted decking before you sign
- Repair now and replace later, if the roof has life left — we'll tell you
- Ask about material options; architectural shingles cost less than standing-seam metal