4 Common Ways to Finance a New Roof


If your existing roof requires significant repairs or a total replacement, you may not be able to pay for the complete work out of pocket. On average, the cost of a roof replacement is about $8,000 and it is possible to spend a lot more. Fortunately, there are several ways to secure a feasible payment plan to finance your new roof. One of the leading residential and commercial roofing contractors details some of the most popular roof financing options to consider.

New Roof

Get Quotes First

Before you begin evaluating your financing options, determine whether or not you will actually require financing by getting multiple quotes of the roof repair or replacement. Approach at least three or four reputable roofers in the area. Once you have an idea of the estimated total cost, from materials to labor and cleanup, you can review each financing option to see if it will sufficiently cover the expenses.

Roof Financing Options

  1. Homeowners Insurance Policy. Find out if your homeowners insurance policy or any limited warranties offer coverage for the damaged roof. A roof and gutter replacement contractor says that if insurance covers parts of the total repair or replacement cost, you will need less financing from other sources.

  2. Credit Cards. There are a lot of companies that accept credit card payments, but you should be extremely careful when putting a roof replacement service on yours. You may end up paying for the roof with the addition of high interest rates.

  3. Personal Line of Credit. One of the best options to finance a new roof is to open a personal line of credit. It tends to offer a lower rate of interest compared to credit cards and often requires low monthly payments.

  4. HELOC or Home Equity Loan. If you have less than stellar credit or want to minimize your interest rate, consider getting a home equity line of credit. You have better chances of negotiating lower interest rates by using your house as a collateral. However, to take full advantage of this financing route, you need to have some equity built up in your home.

Bone Dry Roofing is a premier source of home improvement solutions. From roof replacement to gutter installation and brick repair, our certified professionals are committed to providing the comfort and efficiency you need through industry-leading products and outstanding customer service. Call 877-BONE-DRY or fill out our contact form to schedule an appointment.




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$500 OFF Full Roof Replacement*

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We had Bone Dry do masonry, roofing & gutter for us. Everyone we dealt with was professional, polite & on time. We were actually amazed how fast they did the roof & it looked great. Actually everything looked great
Debra B.
The experience of working with all of the folks at Bone Dry Roofing was top notch. Detailed photos and videos were provided for the initial inspection of the roof and then multiple photos were provided throughout the installation. I live in another state and was very well pleased working with them long distance. They made it very easy and stress free. The shingle roof - and all new decking - was replaced in less than 7 hours. Other teams of theirs will be back to replace the b pipe and the gutters next week.
Liz B.
AJ Snow and his crew did a fantastic job. I got pictures and text throughout the project until completion. Will always use Bone Dry Roofing. That are very good and do great work!
Michael D.
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