Insurance First — Financing When Needed
The majority of our roofing projects are fully covered by homeowner's insurance, with clients paying only their deductible (typically $500-$2,500). Before discussing financing, we always explore insurance options first — because a properly documented claim is almost always the most affordable path to a new roof.
However, financing is available for situations where insurance doesn't apply: new construction, elective upgrades beyond insurance coverage, homes with aging roofs that haven't sustained storm damage, and homeowners who need help covering their deductible.
Financing Options
0% APR for 12 Months (GreenSky)
Our most popular non-insurance option. Pay for your roofing project over 12 months with zero interest charges. Ideal for deductible assistance or smaller repair projects. Minimum credit score of 640 required. Approval in minutes with no impact on your credit score for the initial inquiry.
0% APR for 18 Months (GreenSky)
Extended interest-free period for larger projects. Same zero-interest benefit with six additional months to pay. Perfect for roof replacement projects on non-insurance homes or significant upgrade investments like metal roofing.
Low Monthly Payments — Up to 144 Months (Mosaic)
For homeowners who prefer the lowest possible monthly payment, our Mosaic financing offers terms up to 144 months (12 years) with competitive interest rates starting at 4.99% APR. A $15,000 roof replacement can cost as little as $130/month. No prepayment penalties — pay it off early anytime without fees.
Same-as-Cash 6 Months
Short-term option for homeowners who want to spread the cost over a few months. Pay the full balance within 6 months and pay zero interest. Ideal for deductible coverage or emergency repairs that can't wait for insurance processing.
How to Apply
Financing applications are processed during your consultation appointment. The process takes approximately 5 minutes and involves a soft credit pull that does not affect your credit score. You'll receive an instant decision and can proceed with your project immediately upon approval.
- Apply in 5 minutes during your consultation
- Soft credit pull — no impact on credit score
- Instant approval decision
- No prepayment penalties on any plan
- Combine with insurance — finance only your deductible
- Available for residential and commercial projects
Deductible Financing
If your insurance claim is approved but you need help covering the deductible, we can finance just the deductible amount through our short-term 0% APR plan. For example, a $1,500 deductible financed over 12 months at 0% APR costs just $125/month — making your insurance-covered roof replacement truly affordable from day one.
Which Option Is Right for You?
During your free consultation, we'll review your insurance options first. If financing is needed, we'll recommend the plan that best fits your budget and timeline. There's never any obligation — we present all options and let you decide.
Call (612) 979-0693 to discuss your options with a roofing specialist.