Replacing a roof is often one of the most significant (and expensive) home improvement projects homeowners face. But what if you could get a new roof for free?
If you’re asking, “How can I get a new roof for free,” you may be hoping for insights into making your homeowner’s insurance pay for a new roof or interested in government assistance programs. We’ll cover both of these topics today.
How Can I Get a New Roof for Free Through an Insurance Claim?
Let’s be really clear on one thing. Even if your insurance company chooses to approve your claim for an entirely new roof due to a weather event, fire, or other scenario- You will still need to pay your deductible. Any roofing company offering to pay your deductible for you or discount the cost of your deductible is breaking the law.
Step 1: File an Insurance Claim
If your roof experienced damage from a storm, fire, or other incidents in the Dallas area, contact your insurance provider and report it immediately. Provide evidence, such as photographs, time-stamped videos, or repair estimates.
Step 2: Get a Roof Inspection
While your insurance provider will send an inspector to evaluate the damage, it’s wise to hire an independent roofing contractor to conduct a thorough inspection. At New View Roofing, we offer free roof inspections and a detailed damage report to strengthen your insurance claim.
Step 3: Meet the Deductible
Paying your deductible is a crucial part of the claims process. Before any work begins, ensure you understand the amount of your deductible and are prepared to cover it. Remember, your insurance coverage kicks in only after the deductible has been met. Any company that offers to waive or cover your deductible is not operating legally, and working with such contractors could put you at risk. At New View Roofing, we prioritize honesty and transparency, ensuring you meet all legal requirements while receiving top-quality roofing services. To maximize your insurance claim payout, ensure your roofing contractor works closely with your insurance adjuster. They can highlight all aspects of the damage, helping you secure a fair assessment.
How Can I Get a New Roof for Free in Texas Through a Texas Assistance Program?
Many people can get a new roof for free through government assistance programs. These programs offer financial aid like grants for roof replacements if you meet low-income eligibility requirements. Here are a few programs to explore:
USDA Single Family Housing Repair Loans and Grants Program
USDA Rural Development in Texas features the Single Family Housing Repair Loans and Grants Program. They grant you up to $10,000 for a new roof installation. This program is also known as the Section 504 Home Repair program. Typically, the program offers low interest loans, but you could qualify for a full grant if you meet the following eligibility requirements:
- You own and live in your home
- You are older than 62 years old
- You can’t get an affordable line of credit elsewhere
- Your income is very low
Weatherization Assistance Program (WAP)
WAP is a federal program offered by the Department of Energy. It aims to reduce energy costs for homeowners. Since one of the largest ways to improve energy efficiency in your home is through a roof replacement, a grant through this program could help you get a free roof installed. In our area, you would reach out to the Dallas County Health and Human Services which facilitates the area’s program.
To qualify, your household must be at or below 200% of the federal poverty level. Priority is given to households with:
- A person with a disability
- A person over 60 years of age
- Children under 5 years of age
- A high energy burden or high energy consumption
FHLB Dallas FORTIFIED Roof Grant
With the FHLB Dallas FORTIFIED roof grant, you may apply for a grant of up to $15,000 for a roof replacement. To be eligible, your household income has to be at or below 120% of the area median income.
Assistance Programs from The City of Dallas
- Senior Home Repair Program
The Senior Home Repair Program offers grants to moderate to low-income senior citizens to pay for home repairs, including roof replacements. To qualify, you must be 65 or older and meet income guidelines.
- Emergency Home Rehabilitation (EHR)
This program provides grants of up to $10,000 to people with low to moderate income in need of emergency repairs. Act quickly for this though, because you must apply within four days of the emergency.
- Major-Systems Repair Program (MSRP)
This program provides forgivable loan assistance to people with low to moderate income who need major household repairs, including roof replacement. This isn’t exactly a grant, but it is an interest-free loan and the loan is forgivable. With this, you may qualify for up to $24,000.00 worth of funding.
Other cities in the North Dallas area offer their own assistance programs. Check your city’s government site to learn more.
Do You Need a New Roof in the Dallas Area?
If none of these options fit your situation, New View Roofing also offers fair, practical financing options to cover the expense. New View Roofing is a locally and veteran-owned roofing business in Dallas with over 25 years of experience in roofing services such as installations, repairs, and insurance claims.
Our roof inspections and estimates are always free. So, if you have a leak or damage, you can request a free roof inspection.
