Paying for a roof without emptying the savings account
A new roof is one of the bigger bills a house sends you. Here's how Des Moines homeowners usually cover it, from insurance claims to monthly payments.
The common ways roofs get paid for
Insurance, for storm damage
When hail or wind caused the damage, your homeowner's policy may pay for the repair or replacement, less your deductible. See how claims work.
Cash or check on completion
For most repairs and many replacements, you pay when the work is done and you've seen the final photos.
Monthly payments
For larger projects, financing through a third-party lender may be available, subject to their approval and terms. Ask when you get your quote.
Home equity
Some homeowners use a home equity line from their own bank or credit union, which can carry a lower rate. Talk to your lender.
How deposits and payments work with us
- Written quoteThe price, materials and scope are on paper before you agree to anything.
- Material deposit on larger jobsFor full replacements, a deposit may be requested when materials are ordered; the amount is on the quote.
- Balance on completionAfter the final walk-through and photos. On insurance jobs, payment timing follows when your insurer releases funds, including any recoverable depreciation.
Ways to keep the cost down
- Don't wait on a small leak. A pipe boot is a few hundred dollars; rotten decking and wet insulation cost more.
- Replace on your schedule, not the storm's. Off-peak months can be easier to book than the weeks after a hailstorm.
- Ask your insurer about impact-rated shingles. Some offer premium discounts that offset part of the upgrade.
- Fix ventilation once. A roof that breathes lasts longer.
We don't make loans ourselves, and we never inflate a quote to cover a deductible. Financing terms, rates and approval come from the lender.
