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Roof Replacement

Navigating the Sea of Roof Replacement Financing Options in St. Augustine

July , 2023 | 7 min. read

By David Toth

homeowner counting pennies on a table

A new roof for your St. Augustine home isn't just a structural necessity—it's also a hefty investment. Just as with the unpredictable Florida Historic Coast weather, the need for a roof replacement can come unannounced. Even high-quality roofing materials have a lifespan of 15-25 years. And external factors such as harsh weather or poor installation can shorten this time.

We understand facing an unexpected roof replacement can pose a significant financial challenge.

Fortunately, you're not alone. At RoofCrafters, we've been guiding homeowners in St. Johns County for 30 years. By helping them navigate their financing options. Replacing a roof can be a large expense, with average costs ranging between $7,500 and $20,000, a figure not easily accessible to all.

2 roofers on a roof with a supervisor watching from the ground

The final cost of a new roof can fluctuate based on factors such as the design of the roof, its complexity, and the type of roofing materials you opt for. With such variability and the general tendency to overlook our roofs until an issue arises, it can be challenging to plan for a roof replacement. 

But, many financing options are available to ease this burden. Providing manageable monthly payments over a predetermined period.

birdseye view of a roof replacement in progress

In this article, we'll help you navigate the landscape of roof financing in St. Augustine. We aim to guide you through the entire process and ensure you understand your next steps by the end of it.

If you're more of a visual learner and prefer an overview of the financing options feel free to check out our short informative video below:


can i finance my roofing project

Demystifying Roof Replacement Financing in St. Augustine


From cars to home renovations, financing options have become an essential tool for handling large purchases. Including roof replacements. The roof, one of the most important parts of a home, is often overlooked until a leak or severe damage occurs. Then, immediate repairs or replacements become inevitable.


You may have a "rainy day" fund set aside, but emergency roof situations often catch us by surprise. Even with insurance coverage for some types of damage, the hefty deductible can upset your budget. In such circumstances, financing your roof replacement becomes a practical and accessible solution.

RoofCrafters Trucks parked in front of a home getting a roof replacement

Despite common misconceptions, there are several financing options to help offset the cost of a new roof. These include government programs, home equity loans, and private financing, among others. As with any financial decision, it's important to understand your options before committing. This research will help you make an informed decision on the best way to finance your new roof in St. Augustine.

The Benefits of Financing Your St. Augustine Roof Replacement


Opting to finance your roofing project brings several appealing advantages. Here's a brief overview of how financing can work to your advantage:

paper money house built with hundred dollar bills

Manageable Monthly Payments: Avoid a massive lump-sum expense that could drain your savings. Depending on your credit history and payment terms. You could even qualify for low-interest rates throughout the loan period.

Interest-Free Upfront Deferment: This financing option enables you to postpone an initial payment. These are 0% financing loans with no penalties for early repayment. But, it's important to pay off the loan within a specific timeframe to maintain the 0% interest.

Payment Delay Opportunities: Some loans provide an opportunity to defer payments for a set period. Once this period ends, regular payments begin with your interest rate. This option is useful if you're currently short on funds but need roofing work due to safety concerns.

Swift Approval Process: The financing application process is simple and fast. You can apply online, via mobile apps, or even over the phone. There's no physical paperwork and the use of an electronic signature expedites the process. You could receive your approval notice within minutes of submitting your information.

someone using a computer looking at Roofcrafters top 10 roof replacement checklist

Before jumping into financing a roof replacement, it's important to research the terms. This will help you avoid any financial commitments that could later become burdensome.

Gathering Estimates: Your First Step in Financing a St. Augustine Roof Replacement


Are you considering financing your roof replacement? We recommend obtaining at least two or three estimates from local St. Augustine roofing companies.

insightful lightbulb drawn on a post-it note pinned to a corkboard

Thorough research is essential as different roofers might use various materials. Some may opt for more expensive materials, leading to a high-quality roof that will last longer. Consider warranty provisions as well. A premium warranty might raise the price, but it offers peace of mind. You'll know that the company stands by its work and is ready to resolve any issues.

beautiful Florida style home with a synthetic tile roof

Regardless of how trustworthy a company appears, it's important to review their estimates. This step allows you to determine the exact amount you'll need to finance for your roof replacement.

Schedule an Inspection

Unveiling Your Financing Options for Roof Replacement in St. Augustine


wallet with credit and debit cards

Lower interest rate options are generally preferred when it comes to any type of financing. These options lead to more manageable monthly payments. This allows you a smoother payment plan over time.

But, when dealing with financing options, it's critical to consider potential prepayment penalties. Certain financing agreements might charge penalties for early loan repayment. This is significant to keep in mind as early payoff could decrease the interest the lender would have collected from your loan.

Are you covered after the work is done

So, if you expect to be able to pay your loan quicker. Opting for a financing plan that doesn't impose prepayment penalties will likely be your best solution. The good news is, RoofCrafters' financing in St. John's County does not include prepayment penalties.

Ready to Finance Your Upcoming Roofing Project in St. Johns County?


A young family of four standing in front of a cartoon home drawn on a backdrop, image of flowers, clouds, and the sun too.

Any reliable roofing company will have financing options available. They should be able to guide you on the appropriate timeline to schedule your roof replacement. This will help to prevent potential water damage to your St. Augustine home. This advice will give you an accurate understanding of the stakes involved.

two Jacksonville Sales guys smiling with the team in the background doing field training

RoofCrafters offers a variety of financing options. We're excited to assist you in launching your upcoming roof replacement project. There's only one more step to start your journey: click the button below. One of our representatives will help you with your financing pre-qualification. Remember, we're here to make roofing in St. Augustine as hassle-free and affordable as possible.

Image call to action, get financing for your roof replacement

David Toth

My name is David Toth and I am the lead estimator in North Florida with RoofCrafters Roofing. Originally from New Brunswick, I have called Florida home for the past 47 years. I enjoy cooking along with traveling to different historical areas in Florida when I have free time.