Hiring a roofing company to get a repair or new installation can be a costly endeavor. Luckily, there are companies that offer financing services.

Texas rainstorms and hail got you down? Damage to your roof can be a costly experience you may not be prepared for financially.

We got you covered! Read on for tips for what to look for in a roofing company that offers financing for roof repair or replacement.

What Should to Ask a Roofing Company Before Financing in Dallas, TX?

Hiring a roofing company to get a repair or new installation can be expensive. Luckily, there are companies that offer financing services. Here are a few things to ask about so that you get the best deal.

Special Offers

Often, a roofing company will have special discounts that they give during the off-season when work is slow. Ask about seasonal discounts that may save you hundreds.

Also, manufacturers of roofing material will sometimes offer a special promotion of a new line of products. Your roofing company will have brands that they work with regularly and will be able to apply manufacturer discounts.

Low Down Payment

When financing a roof repair or full replacement, a down payment or deposit is typically expected. This is a partial payment for the job that will cover materials to be ordered and ensures that your work will be scheduled.

A down payment is usually 5-20%. Full payment is expected after the work is completed.

Even if you are not required to make a down payment, it may be wise to make one anyway to save interest dollars when financing over a number of months.

Payment Options

If a standard down payment and full payment at the end of the job are not in your budget, don’t be afraid to ask about deferred payment options.

Keep in mind that roofing companies with payment plans do not want to lose a job because of financing.

Roofing companies with payment plans will sometimes finance loans for a roof replacement project with their own capital. They may be willing to negotiate a contract that gives you six months to a year to repay with a deposit and monthly payments.

You can also ask for a breakdown of payments over the course of the job. For example, 20% down, 40% after materials are delivered, and 40% when the job is complete.

Low Interest

Working out low down payments and a reasonable payment plan is great, but make sure the interest rate offered is one that you will be able to afford.

Compare prices with the roofing company and interest offered by local banks. Ask the contractor which lending institutions the company uses. You will also want to ask if the lender is federally insured.

Before signing off on a loan, ask about the terms of the interest rate. For example, if a loan with 0% interest is offered for 6 months, how much higher will the interest be after the 6 months if you are unable to pay it off?

Other Considerations About Roof Replacement Companies in Dallas, TX

In addition to questions about financing, consider the qualities you are looking for in a roofing company. Here are some tips for questions to ask.

Reputation

What are others saying about the quality of service and reasonable price offered? Do yourself a favor and get reliable estimates from competitors before inquiring about roof replacement financing.

Check to see if the roofing company has a Better Business Bureau (BBB) score. If the company has a website, you can also research their Google rating.

Licensing

In addition to contractor’s licensing, many roofing material manufacturers have specific guidelines for installation and provide training for installers.

Ask the roofing company about any licenses and permits that are required in Dallas, TX. Also, find out if the company’s installers have any special certifications for various types of installations from manufacturers.

Materials

You will want to ask if the roofing company has a particular brand that is used or if you are able to select the manufacturer of your choice. If you choose a brand that the contractor does not normally use, how will this affect any guarantees on the work?

Also, you will want to know if there is a warranty for the actual roof replacement work and installation. This will be a guarantee that the roofing company offers.

Clean-Up

If you have ever had a roof replacement or witnessed one, you know there will be a lot of debris to clean up from old roofing materials being removed. Many cities have strict regulations on how construction waste is disposed of and may require additional fees.

Who will be responsible for hauling the debris away?

What safeguards are used to prevent old nails and staples from ending up in your yard? Will an installer do a magnetic sweep of the yard with a final inspection?

Compare Roofing Companies With Payment Plans in Dallas, TX

Blue Nail Roofing and Construction

217 S. Beltline Rd.
Grand Prairie, TX 75051

• 10+ years of experience
• Financing through Green Sky and Service Finance
• Multiple warranties
• Manufacturer certifications

This company also offers video tutorials on communicating with your insurance agent.

Arrington Roofing

2203 Obenchain St
Dallas, Texas 75208

• Financing through Well Fargo, Inc.
• Multiple manufacturer certifications
• Informative videos for roofing problems
• 10-year labor guarantee

A blog on the website features practical advice on protecting your landscaping during a roofing project and many more helpful tips.

Baker Roofing and Construction

4307 Delmar Ave
Dallas, TX 75206

• Financing with Hearth
• Multiple manufacturer certifications
• A+ rating with Better Business Bureau
• 5-year workmanship warranty

Many popular brands are used by this company.

Get the Best Roofing Estimates in Dallas, TX

Your roof protects more than your house. When you are making a big investment in your home, such as replacing an old roof, you want to be sure you are well informed.

A roofing company may offer free estimates, but as you can see, there are a lot of other considerations that you need to ask about before committing to a contract for work and financing.

Instead of spending valuable time researching from site to site to get answers to these questions, use a reliable referral service to get the best estimates for roofing companies with payment plans in Dallas, TX.