How to Get Financial Help for Roof Repairs

Repairing roof

Repairing a roof can be financially draining and a challenge for most homeowners. If a roof is older than 15 years, leaking can begin anytime, and that is when a roof will have to be replaced or repaired. At such a time, that is when the services of a qualified and respected roof contractor will be needed to help the homeowner make the right roof repair decision. Finding financial help for roof repairs can be done; all it takes is time and research.

Step 1

Contact several roofing contractors and inquire out about the cost, finances required and materials needed. Once you have your estimates, choose one that best fits your needs, particularly concerning cost, service and reliability.

Step 2

Call your bank or loan company to see if you can get a home improvement loan. There are two types of home improvement loans: a secured loan and an unsecured loan. A secured loan is when you place an asset or piece of property as collateral and get the value of cash from it. With an unsecured loan, no collateral is involved.

Step 3

Check out your local city engineering or mayor's office to see if any local home repair grants are available. In addition, many cities in the United States offer a one-time home repair grant for senior citizens. Special loan programs also are often available for disabled citizens.

Step 4

Contact the U.S. Department of Housing and Urban Development (HUD) to inquire about other home improvement loans that might work for you like cheap home improvement loans, fast home improvement loans and credit home improvement loans.

Step 5

Contact your local community for home repair grants. Oftentimes, community-based grants pay for roof repairs and augmentations such as painting or putting on new siding. These upgrades can also increase the value of your home.

Other home improvement assistance programs that can be quite helpful are the Rural Home Property Repair Program; VA Specially Adapted Housing for Veterans; Title I Home Improvement Loans; 203(k) Rehabilitation Program; and the U.S. Department of Agriculture, Rural Development.


Get several estimates and check all references. Friends, neighbors and relatives can be helpful, especially if they’ve had work done in recent months. Be cautious when dealing with contractors and loan companies and keep notes and signed documents for all information you receive.