Financing & offers
A new roof shouldn't wait on a lump sum.
Roofs rarely fail at a convenient moment. Between insurance, financing, closing-table payment and paying after the work is finished, there's almost always a way to get this handled without draining your savings first.
No money down
You don't write a check to get on my schedule. No deposit, no material draw, no good-faith payment. I order the material and the crew shows up on the strength of the agreement.
Pay after completion
On many projects, payment comes due after the roof is finished, cleaned up, and you've walked it with me. If something isn't right, it gets fixed before money changes hands.
What's included
Everything that costs you nothing.
Free inspections
Full roof inspection with drone and hands-on documentation. No fee, no deposit, no obligation to hire me afterward.
Free estimates
Written, itemized, and line-by-line so you can actually compare it to the other bids. No expiration-date pressure.
Free Class 4 upgrades
On many projects I'm able to include the impact-resistant Class 4 upgrade at no added cost to you. Ask and I'll tell you if yours qualifies.
Financing available
Third-party financing is available and is subject to credit approval. Terms come from the lender, so I won't quote a rate, I'll just point you to the application.
Title company at closing
In many real estate transactions the roof can be paid out of proceeds at closing instead of out of your pocket up front.
Insurance billing handled
On claim work I invoice the carrier directly and manage the depreciation release, so you're not chasing paperwork.
Financing is provided by third-party lenders and is subject to credit approval. Rates, terms and eligibility are determined by the lender. Class 4 upgrade availability depends on the project scope and, on insurance work, the approved claim.
For sellers, buyers & Realtors
Pay for the roof at closing.
A bad roof kills deals. Inspection objections, appraisal conditions, and insurance carriers refusing to write a policy on an old roof all land in the same place: somebody has to pay for a roof before closing. It doesn't have to be out of pocket.
Bring me in early
As soon as the roof shows up on an inspection report or an insurance condition, call me. I inspect, photograph, and write an itemized estimate the same week.
Everyone agrees in writing
The seller, the agent, and the title company acknowledge that the roof will be paid from proceeds at closing. It becomes part of the transaction paperwork rather than a side deal.
The roof gets built
I schedule and complete the work on the transaction's timeline, with permits and final municipal inspection handled, so the buyer's lender and insurer see a finished, documented roof.
Title disburses at closing
My invoice is paid out of the seller's proceeds when the deal funds. The seller never writes a check up front, and the buyer takes possession with a brand new roof and a workmanship warranty.
Availability of the closing-table option depends on the transaction and on all parties, including the title company and any lender, agreeing to it. I'll tell you early whether it looks workable on your deal.
Where the money comes from
Insurance versus out of pocket.
These two paths pay for the same roof in completely different ways. Knowing which one you're on tells you what to expect and when.
Insurance-funded
Two checks and a deductible
- 01DeductibleYour fixed share, set by your policy. It's yours to pay, Colorado law prohibits a contractor from covering or rebating it.
- 02ACV checkThe carrier's first payment: replacement cost minus depreciation minus your deductible. It arrives before the work starts and is often less than the total job.
- 03Work completedI build the roof to the approved scope, plus any code-required items, and document everything with photos and the permit final.
- 04Depreciation releasedI invoice the carrier with proof of completion and they release the recoverable depreciation. That second check closes the gap.
- 05Supplements, if neededIf the approved scope missed legitimate items, I document and submit them. That's between me and the adjuster, not more money from you.
Bottom line: on a replacement cost policy your realistic out-of-pocket is your deductible, plus any upgrades you choose that the policy doesn't cover.
Cash or financed
One number, no adjuster
- 01Itemized estimateOne written price covering tear-off, decking allowance, underlayment, flashing, ventilation, material, labor, permit and cleanup. No line items hidden in a lump sum.
- 02Nothing downYou don't pay to get scheduled. Material and crew are on me until the work is done.
- 03Your choice of systemWithout a carrier defining the scope, you pick the shingle, the color and the upgrades. Class 4 is included at no cost on many projects.
- 04Pay on completionPayment comes due after the roof is finished and walked. If you financed, the lender funds it directly on the same timeline.
- 05No claim historyNothing gets reported to your insurer, so this route has no effect on your claim record at all.
Bottom line: simpler and faster, with full control over the materials, you're just funding the whole number instead of a deductible.
Money questions
Asked and answered
More on inspections, claims and materials lives on the full FAQ page.
No cost to find out
Start with the free inspection.
Once we know what the roof actually needs, we'll figure out the money, insurance, financing, closing, or straight cash.