Paying For Your Project
Financing A Roof Replacement Or Construction Project
Understanding your options before you need a new roof or major repair.
★★★★★ 4.8
GOOGLE · 106 REVIEWS
Local & Family Owned
SINCE 2013
ShingleMaster
CERTAINTEED, GAF & IKO SHINGLES
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CERTIFIED ROOFING CONTRACTOR
Licensed
CCC1331129 / CBC1259476
No Deposit Required — You Only Pay When You’re Satisfied
Why Financing Comes Up So Often In Roofing
A full roof replacement is one of the largest single expenses most property owners face, and it often isn’t optional or schedulable years in advance — storm damage or a failing roof can force the timeline. That’s why financing is a common part of the conversation, and why it’s worth understanding your options before you’re in an urgent situation.
Homeowners Insurance & Storm Damage Claims
If your roof damage is storm or wind related, your homeowners insurance policy may cover some or all of the replacement cost, depending on your coverage and the cause of damage. We document damage thoroughly during your inspection — photos, a written scope, clear cause — to support a claim, though we’re not a public adjuster and can’t negotiate the claim itself.
Home Equity & Personal Financing Options
Homeowners with equity in their property sometimes use a home equity loan or line of credit to fund a roof replacement, often at a lower interest rate than unsecured personal financing. A personal loan through your own bank or credit union is another common path, particularly for homeowners without significant home equity or who prefer not to borrow against their property.
Questions Worth Asking Before You Commit To Any Financing
Whatever financing option you’re considering, ask about the total cost over the full loan term (not just the monthly payment), any prepayment penalties, and whether the rate is fixed or variable. A lower monthly payment stretched over a much longer term can cost significantly more in total interest than a shorter, slightly higher payment.
We'll Give You An Honest Number To Plan Around
Whichever financing path makes sense for you, it starts with knowing the actual project cost — not a generic online estimate. A free, written, itemized quote gives you a real number to take to your bank, your insurer, or your own budget, rather than trying to plan around a guess.
Contractor-Arranged Financing
Some roofing contractors partner with third-party financing companies to offer point-of-sale loans. If you’re offered this kind of financing by any contractor, read the terms as carefully as you would a bank loan — the convenience of applying on the spot doesn’t always mean the best rate.
Phasing A Project To Manage Cost
If a full replacement isn’t financially feasible right now but your roof has active problems, a targeted repair can buy time while you plan and save for a full replacement on your own schedule — we’ll always tell you honestly how much time a repair realistically buys you.
Getting Your Documentation In Order Early
Whether you’re applying for a loan or filing an insurance claim, having a clear, written, itemized quote ready — rather than a verbal ballpark — speeds up the process significantly. We provide that documentation as a standard part of every estimate, not an extra request.
A Note On Urgency & Pressure Tactics
Be cautious of any contractor who pressures you to finance immediately or sign the same day to “lock in” a price — legitimate financing options and fair pricing don’t typically require same-day commitment. Take the time you need to compare options.
Budgeting For Ongoing Maintenance, Not Just The Big Project
Setting aside a small annual maintenance budget — for inspections, minor repairs, and gutter upkeep — can meaningfully extend your roof’s life and delay the much larger expense of a full replacement.
When A Repair Makes More Financial Sense Than Financing A Replacement
If your roof has years of useful life left and the issue is contained, financing a full replacement you don’t yet need isn’t the right move — we’ll always tell you honestly when a repair is the financially smarter choice, even if it means a smaller job for us today.
Working With Your Insurance Agent Proactively
Beyond filing a claim after damage occurs, talking with your insurance agent about wind mitigation credits and coverage options before you need them can reveal savings and requirements worth planning around well ahead of any roofing decision.
Customer Reviews
What Fort Lauderdale Residents Are Saying
★★★★★ 4.8 out of 5 · 106 Google reviews
“Ricketts handled our roof repair after a bad storm and made the whole process easy — showed up when they said they would, explained what was actually wrong, and kept the property clean every day. Would recommend them to anyone in South Florida.”
A RICKETTS CONSTRUCTION CUSTOMER
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