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Financing Options to Consider When Paying For a New Roof

A roof replacement, like other home improvement needs, is a costly endeavor. The average price tag as of February 4th, 2021 is just over $8,180 to install a new roof. There are a number of roof financing options available to help cover the costs including home equity loans, personal loans, and more.

Roof Financing Options for roofing repairs can be done through your insurance company. A home equity loan or line of credit may be a roof financing option for you. You must have strong credit and steady income to qualify for a roof repair loan.

If a roofing repair is not covered by your homeowners’ insurance, you may have roof financing options through a home equity loan or home equity line of credit. The home itself is used as collateral to back the loan, giving the lender less exposure to risk in the event of default on payments.

You can usually get a relatively low-interest rate as compared to other financing options for roof repair. The interest rate is lower than compared to the other options for financing roof repair. The cost of the roof repair will be lower than the mortgage payment.

With a roof loan, a lender offers you a lump sum upfront. The amount offered as well as the interest rate charged over the life of the loan is dependent on your good credit score and history. It is essential to review the terms, including the interest rate and monthly payment, before signing.

Roofing Company Financing options include home equity loans, personal loans, and HUD Home Improvement and Repair Loan. Homeowners who have strong credit may also qualify for a 0% APR credit card.

Not all roofing contractors charge the same amount, nor do they all perform the same level of work. Take time to get referrals from other homeowners, review customer testimonials, and get references when needed before selecting your roofing company. The size of the roof, the condition it is currently in, and the time of year all play a part in dictating the expense.

Be sure to add up these costs when applying for roof financing.  “Roof financing options for roofing repairs” . The cost of roofing repair may make all the difference in what financing options are available. The price of your roof may make the difference. Paying for a roofing project may seem overwhelming at first, especially when you factor in the total cost of the job. Insurance coverage, roofing company financing, or roof loans can help make roofing repair more affordable.


Simple Do It Yourself Aluminum Siding Repair

A large percent of today’s homeowners prefer aluminum when it comes to siding, simply due to the fact that it provides a nice level of protection from the elements, and is easy to repair as well as replace.  It is important to note, however, that aluminum siding is quite susceptible when it comes to dents and damage.  The good news, however, is that aluminum siding is extremely easy to repair in a do it yourself fashion, saving both money and time.  Once you get the hang of it, you will be able to quickly remove dents and replace your siding whenever the occasion calls.  Here are some step by step instructions that will help you repair your siding the next time it becomes damaged due to weather or accidental impact.

The following instructions will show you how to repair dents in aluminum siding.  For minor scratches and abrasions, you can easily wipe these out with a fresh steel wool pad.

Repair Your Dented Aluminum Siding

Aluminum siding dent repair is a quick job that should only take one to two hours to complete.  Like many other home repair jobs, you will want to make sure you choose a day where there is no rain or harsh weather conditions, and where there is adequate light.

Your first step will be to drill two holes in the center of the dents in your aluminum siding.  The holes should be big enough to fit tightly, but you don’t want to force the screws all the way in, as you will need them in order to eventually straighten out the siding.  Once you have placed the screws in the holes, you will use a pair of pliers to grip onto the screws.  Gently tug on the screws until the dents are level.

Once the dents are level, the next step is to fill them.  At this point, you will remove the screws, and sand down the area with sandpaper or steel wool, just enough so the surface is rough.  Spread auto body putty on the rough area to smooth it out, and the best way to do this is with a drywall knife.  Smooth the putty into the dent.

Once the putty has dried, you will want to sand the area in order to remove any additional imperfections.  Using sandpaper and a sanding block will smooth out the area nicely.

The next step is to paint the aluminum siding.  It is always important to prime the siding first.  Once you have applied the primer, wait for it to dry thoroughly, and you are ready to apply your first coat of paint.

After you apply the first layer of acrylic paint, wait for the paint to dry and sand the area once more before applying the second layer.  This will allow the paint to fully adhere to the siding.  If you are unsure about the specific color tone for the paint, you can contact your siding manufacturer to find the perfect match.

Once the second coat is dry, you will be truly amazed with the fresh new look of your aluminum siding, and proud of yourself for a job well done!



DIY Roofing Tips – Shingles

In today’s do it yourself world, roofing jobs can easily be completed by following a few simple steps.  Replacing shingles and re-roofing the area as a do it yourself project will help you save both time and money, and by taking some time to familiarize yourself with the instructions and do it yourself process, you will definitely be able to complete your roofing project successfully.

Important Points to Note

When working on roofs of any kind, it is extremely important that you follow safety precautions, use common sense, and work with a partner or a team.  Using a strong secure ladder will ensure your safety as well.  If your roof is located near power lines or television antennas, you will want to use extreme caution in order to avoid shock, and always wait until the weather is warm and dry.  Additionally, you want to make sure to wear durable rubber soled shoes in order to avoid slipping, and if the roof is sloped, it is always a good idea to use roof brackets, as they will provide extra support for your feet.

Materials You Will Need

Roofing shingles.  These are sold in squares that consist of three to four bundles a piece. You can easily determine the amount of shingles you will need by dividing the square footage of the roof by 100.  It is always a good idea to purchase and extra bundle of shingles to allow room for error.

Nails.  For each square of shingles, you will need between 2 and 2 ½ pounds of galvanized nails.  12 gauge is preferred, but you can also go by the manufacturer’s recommendations.

Roofing felt. For both roof repairs and new jobs, you will need to purchase an appropriate amount of 15-lb felt that is adequate enough to cover the entire roof. (underneath shingles) Additionally, for edges, flashings, and ridges, you will need roofing cement.  All supplies can be found at your local hardware or home improvement store.

 Pre-Roofing Steps

Once you have selected your shingles and have gathered all the supplies you need, you will want to take a few steps to ensure that your new shingles lay flat and secure.  While you can easily lay asphalt shingles over practically any roof, it is important to remove any old layers of roofing beforehand if there are any more than three.  You will also want to make any minor repairs the roof structure may need before proceeding, as well as drive down or remove any loose nails.

How To Lay Shingles In Roof Valleys

When the two roofs join together at an angle, this is what is known as a roof valley.  It is important to pay extra attention when applying shingles to this particular area, as even the slightest mistake can leave the area prone to leaks.

The first step is to cover the area with roll roofing material that is mineral surfaced.  You will then want to place an 18″-wide strip or metal flashing pointing downward the center of the  roof valley, starting with the eaves and ending at the top of the ridge.  Only nail the material down on the outer edges, and make certain that the material stays completely flat in the roof valley.

You will then want to place your roofing cement evenly along each edge of the roof and follow with laying down a 36″ -wide strip of roofing material on top of the previous strip.  Follow up by nailing down the outer edges.

Down the edge of the valley, you will want to snap down two chalk lines.  You will want to start at the ridge, making sure the lines are completely centered in the valley and are exactly 6″ apart.  You will want to spread the lines apart as you make your way down the roof, all the way down to the eaves.

Applying the Shingles

Once you have completed the above steps, you are ready to lay down the shingles.  You will want to lay them directly down next to the chalk line edges, then you will need to cut them accordingly.

Once everything is lined up properly, you will next want to insert the end of each shingle into a fair amount of roofing cement, as this will ensure that the shingles are properly sealed before you nail them into their final position.  It is important to remember not to nail the shingles any closer than 6″ away from the chalk lines.

The next step is to locate the roof’s center and mark it with chalk.  Once the chalk line is ready, you will install a starter strip directly along the bottom edge of your roof.  If starter strips were not included with your shingles, you can easily create them by cutting the tabs off of your extra shingles and creating a starter strip from the shingle. First, locate the exact center of the roof and mark it with a chalk line.

You will know that the starter strip is correctly in place if it is projected over the gable and eaves by approximately 5/8″.  Once your starter strip is in place, you will want to mark the center of the roof again with a new chalk line.

Nail your first shingle after it is centered in the chalk line, on top of the starter strip.  Using four nails per shingle, you will want to make sure that the nails are driven straight into the shingle rather than at an angle, as this will help to avoid leaks.  The nails should be placed approximately 5/8″ up from the bottom part of each shingle.  You will want to continue to lay your shingles in this fashion until you get to the end of the roof (in both directions). It is important to note that each additional shingle should lightly touch the center shingle.

Laying shingles as a do it yourself project will help you save both money and time, and by following some easy step by step instructions and taking the proper safety precautions, you will be truly happy with the outcome of your DIY roofing project.

This article is brought to you by:

Miami Roofing and Siding
8887 SW 172nd Ave, Suite 638
Miami, FL 33196
(786) 706-8188