Getting a New Roof Doesn’t Have to Break the Bank

There’s no question that purchasing a new roof can be expensive. Roofing materials don’t come cheap, and it’s a big job for the roofing company to complete. Still, when your roof needs to be replaced you can’t delay it for long. The good news is, there are few things you can do to help you manage the cost of a new roof.

Cute gray home with new roof and nice lawn with annual flowers.

Check Your Warranty

The first thing you’ll want to do is check to see if your roof is still under warranty. If you purchased your home from someone else, try obtaining the documents if they weren’t left behind.

If the roof has a full warranty, you might not have to pay for the materials. There are different types of warranties:

Manufacturer Warranty-covers what the manufacturer provides.

Workmanship Warranty-covers any defects by installation professionals.

Check Insurance Coverage

If you have homeowner’s insurance, you might be able to use your policy to cover the cost of a new roof. There are some circumstances when insurance policies will cover roof repairs or replacement if the damages were caused by a fire, storm, or theft. If your roof degrades due to age or lack of maintenance, then your insurance isn’t likely to cover the costs of a new roof or any repairs.

If your insurance won’t cover the cost, you may save some money in the future, as a new roof usually means lower insurance premiums.

Obtain Multiple Quotes

It’s always a good idea to shop around and obtain multiple quotes to ensure you’re getting a good deal. Reach out to friends, family, and neighbors for recommendations. Online review websites can also be helpful in finding a local, reputable roofing company. Remember that you get what you pay for, so make sure to hire a roofing company based on a variety of factors, other than price alone.

Ask About Discounts

Ask your roofing company if they accept any discounts or coupons. Some common discounts include a military discount, senior discount, multiple-project discount, and multiple-home/neighborhood discount. A multiple home/neighborhood discount is when a group of neighbors in need of a new roof goes in together with a roofing company. It saves the roofer time and money, and possibly product delivery (if your homes require the same products).

Consider the Off Season

The most popular seasons to install a new roof are summer and fall. While it’s true that good weather is ideal to complete most roofing projects, roof replacements occur in the winter and spring months as well. If you schedule your roof replacement in winter or spring, you’ll be able to benefit from off-season discounts and a less busy schedule for your roofing company.

Look at Financing Options

Some roofing companies offer payment plans to help make the purchase of a new roof more affordable. With a payment plan, you can spread your payments out over the course of several months or years. Most plans charge interest, which increases the total cost of your new roof, so it’s important that you check out interest rates and monthly payments first to ensure you can afford it.

In addition to payment plans, there’s also multiple loans you can apply for, including home equity loans, government-backed financing through the Federal Housing Administration (FHA) Title I Loans, and state incentives for energy efficient roofing options.


Paying for a new roof can seem overwhelming at first but there are plenty of ways to purchase a new roof without breaking the bank. If you need a new roof, but are delaying the process due to financial reasons, contact Armorvue Home Exteriors today for more information about our financing options. We can set up a virtual appointment to review all of your options.


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