FlaglerRoofInfo.com

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You Need a New Roof:
What Financial Options are Available to YOU!!



When it comes to paying for your new roof there are things to consider based on your current situation and future plans for your home!!

This is a big investment toward the protection, appearance, and longevity of your home!!

Here's a list of discounts, bundle options, and financial options including the benefits of each.



Discounts:





We also offer numerous discounts to our community:



In order to thank our neighbors who go above and beyond for our community we offer discounts to:


Military

Educators

First Responders

Our beloved seniors






Bundle options:





We offer bundle and save options!!



Just like with your car & home insurance we offer discounts if you bundle two or more services.


Common bundles are:


Roofing & Solar

Roofing & Gutters

Roofing & Interior Repair/Remodeling





Financial Options & Benefits



You need a new roof but don't currently have the funds available
(or don't want to utilize those funds for a roof right now).

There are various options available for funding your new roof. Your decision should be
based on your current situation & future plans.



CASH PAYMENTS:





Cash or "Pay in Full":



Simply Paying Out of Pocket (Savings, Equity Lines, Real Estate Deal Adjustments, Gifted Funds). This Option requires the Immediate Out of Pocket Expense to Pay for Your Roof. You will sign a Contract for a Re-Roof and Pay a Downpayment (usually 40-60%). Once the Re-Roof is Complete You will be Required to Pay the Balance in Full. Once Your Roof is Complete you will have Paid off the Entire Contract Price. Done Deal, Enjoy sleeping a little Easier knowing You're Protected from the Elements.



P.A.C.E. Programs:





Property Assessed Clean Energy Programs:



Great for Investors, or Property Owners who may not stay in the home long term. Property Assessed Clean Energy Programs allow borrowers to take a loan for Approved energy improving renovations and attach the loan to the Property NOT the Property Owner. Funding is available for Roofing, Windows & Doors, Insulation, Etc.

(Sorry, Can't remodel your kitchen with this one).


There's a $2500.00 Minimum Loan Amount. Property Owners Voluntarily sign up for financing through Approved lenders who in turn fund the project. The funds are then repaid by the Property Owner through an Assessment on their Property Tax Bill. This loan type allows for the Home Owner to Transfer the Loan Balance with the Property should they decide to Sell.


Another benefit is that it doesn't lower your personal borrowing leverage or affect your credit score as the debt is attached to the Property NOT the Property Owner. Usually there is No/Low Upfront Costs & First Payment on the Loan is NOT Due until the Property Tax Bill Comes Due (If the project is completed after April, the first payment will Not come due until the Following Year's property tax bill).



Unsecured
Financing Options:





Standard Bank Loan:



Take out a Loan at your bank and from one of their Loan Products. The Loan is Attached to You and Affects your Credit Score and Borrowing Leverage during the Term of the Loan. Terms should be considered based on Planned Future Use of the Property (Homestead, Rental, Etc.)


Private Lending:


Take a Loan from a private lending firm. Some contractors offer financing through a 3rd Party. This Can be a Sign of a Worthy Contractor as Reputable Lending Firms do a preliminary investigation of the Contractors they Choose to work with before approving Them in order to Minimize Risk. There are often Multiple Options when it come to Payment Terms and APRs. Terms should be considered based on Planned Future Use of the Property (Homestead, Rental, Etc.)


Other Unsecured Options:


Loans From Family or Friends, Credit Cards or Loan Sharks (Just Kidding, Please Don't).



Insurance Payout:





Homeowners Insurance Payout:



If you have Legitimate Weather Related Damage to Your Roof you can File a Claim with your Insurance. You may file the claim on your own or with your contractor (who should be selected and do an

inspection prior to filing a claim).


The Insurance Company will want to Know:

What damage Occurred, the Date of the Occurrence, and

Your Policy Number.


An Inspector from the Insurance Company will come out and do a 3rd Party Inspection. It is beneficial if your contractor/representative is present to assist in pointing out previously found damage.

Inspection reports from the initial inspection will be beneficial as well. The insurance company's adjuster sends their inspection results to the Desk Adjuster who will make a determination to

Approve or Deny the claim.


*Please see the Insurance & You Section for More Detailed info. On Insurance Claims.


"SCHEDULE YOUR COMPLIMENTARY INSPECTION & ESTIMATE TODAY!!"