From Shingles to Rubber

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From Shingles to Rubber

How many different kinds of roofs can you spot on the houses on your street? A few decades ago, you may have only seen shingle roofs, perhaps with the occasional slate roof mixed in. But these days, there are more kinds of roofing on the market. Metal roofs are becoming common because they can be made from recycled materials. Tile is a popular choice because it lasts a lot longer than other roofing materials. And then there are some roofers who install rubber roofs because they're smooth and easy to install. Learn more about roofs of all types on this blog.



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Need A Roof Repair Yet Have An Empty Bank Account? Consider Using These Options To Pay For Your Roof Repairs

Some roof repairs are minor and may have minimal costs associated with them. Other roof repairs are large and can be costly. Unfortunately, not everyone has the savings to pay for a large and costly roof repair. Waiting to repair roofing issues is not recommended, as the problems will worsen over time, leading to more extensive repairs and costs. This leaves those without money in a bind. If you need roof repairs but do not have the funds to pay for it, here are a few options to help cover the costs. 

Filing a Claim Through Homeowner's Insurance

If your roof sustained damage due to an act of nature, such as a hail storm, strong wind gusts, or even an earthquake, your homeowner's insurance will likely cover the costs of roof repairs. A great roofing company can inspect your roof and tell you why they suspect the roof needs repairs. If they say it was due to an act of nature, you should file a homeowner's insurance claim. This helps to take the burden off of you to make repairs and ensures your roof gets the repairs it needs. 

Taking Out a Home Equity Loan

If your home is worth more than you bought it for, you have equity. Taking out a home equity loan, also referred to as a home equity line of credit, helps you use the equity in your home to fund large projects, such as home remodeling or roof repairs. The benefit to home equity loans is that they typically have lower interest rates compared to credit cards, making them a great way to finance major home repair or renovation projects. 

Refinancing Your Home

If your home is worth more than you owe on it, another way to pay for a roof repair is to refinance your home using a cash-out refinancing loan. For example, if you owe $50,000 on your home, but the home is worth $200,000, you may be able to essentially buy the home from yourself for $200,000, pocketing $150,000 in cash that you can use for anything, including roof repairs. Interest rates are fairly low, so this may be a better alternative to cashing out a 401K or taking out a loan. 

If you are in need of roof repairs, it is important that you get the repairs made in a timely manner. Putting off repairs allows the problems to worsen, which can increase the scope and costs associated with roof repairs. Filing a claim through your homeowner's insurance policy, taking out a home equity loan, or refinancing your mortgage are all great options to get the repairs you need if you do not have the funds in your bank account to spend on repairs. Contact a company like C Cougill Roofing Co Inc for more information.