How do you pay for a new roof?
What you are paying for
Typical full replacements in North Georgia run roughly $8,000 to $16,000. Small, simple roofs can come in around $7,000 to $11,000, large roofs $15,000 to $25,000, and steep or complex roofs $20,000 and up. Get written quotes that describe the same scope so you can compare them fairly.
Check for insurance coverage first
If hail or wind damaged the roof within your policy's reporting window, a claim may cover most of the cost. An inspection tells you. See when insurance covers replacement and how the date of loss is set.
Ways to pay without insurance
- Savings. No interest and no lien, but it drains your emergency fund.
- Contractor financing. Fast approval and often promotional terms. Read deferred interest terms carefully: if the balance is not paid off in time, interest may be charged back to the start.
- Home equity loan or line of credit. Often lower rates, secured by your house, with closing time and possible fees.
- Personal loan. Unsecured and quick, usually at higher rates than home equity.
- Credit cards. Best avoided for the whole job unless you can pay the balance off quickly.
Timing matters
Replacing a failing roof before it leaks avoids paying for interior damage that insurance usually excludes when the cause is wear. Late winter and fall can be easier to schedule than peak storm season.
Robust Roofing offers financing options for retail replacements and for the parts of an insurance job a policy does not cover.