Replacing a residential or commercial roof is a large investment that you do not have to make more than once or twice in your lifetime. Even so, financing such a project is tricky, because you need to pay a large sum of money.
The best solution is to check your roof`s documents and keep in mind its expiration date, to start make some savings early. However, economies are not always possible, so a cost conscious Fort Collins roofer offers you some other tips for financing your roof replacement (mind you, they require you to look at your credit history and overall financial situation!).
If you can afford it, pay the entire sum of money in cash, because you will not need to pay interest, which makes this payment option the cheapest. Just know that a complete roof replacement can run you in the thousands.
Make a personal loan
You will have to pay an average interest rate (which is about 10% on a two-year loan), but if your credit is good, you could get a better offer. When you make a personal loan, you get the money within just a few days, which is another advantage.
Use your credit card
You may be able to qualify for a card that offers a 0% APR promotion, so you can pay for your roof interest-free. However, you must have excellent credit to get approved for this.
Roofing is an industry with lots of great, honest and reliable service providers, but also one that is not free from scammers who are trying to make use of homeowners worried for their roofs before or after large storms as well as in storm-free periods. Scammers are usually very inventive, coming up with new ways of tricking homeowners to pay for services or products that they don’t need and will probably never get either – here are some of the most common roofing scams that you should know about and avoid:
Free products or services – nothing comes for free, so beware of the roofing contractor who offers you products or services for free – he will probably include the price of those “free” items into the cost estimate;
A contractor without a registered office – any entrepreneur needs to have registered headquarters, so if the man offering you his roofing services is reluctant to share his business address, he most probably doesn’t have one and is a scammer; Look for licensed Colorado Springs roofing companies who have a local address to make sure you are getting reliable and quality services you can trust.
Roofers showing up at your door, saying that they have been in the neighborhood and have seen that your roof is in a bad state of repair – if you let in these guys, they will probably start removing perfectly healthy roofing components and damaging those parts to make you pay for new material. If you give them the money to go and purchase the material for you, you will probably never see them or your money again.
Roof inspections are essential for catching any roof fault in time, before the fault aggravates or extends. The recommended frequency of roof inspections is twice a year, once in spring, to check for any damage caused by the winter and one more time in fall, to prepare the roof for the winter. However, unexpected events can cause unexpectedly severe damage, so it is a good idea to check the roof whenever you suspect that it might have suffered damage after an extreme storm, an extensive rainy, snowy or windy period. Here are the activities that any roofing inspection should involve:
Checking the roof from the ground – extensive damage can be detected standing on the ground, using a pair of binoculars. While inspecting the roof from the ground will not reveal minor faults, such as hairline cracks, it will tell you whether your roof has recently suffered any large-scale damage;
Inspecting the roof from a ladder – the next step is to take a closer look at your roof from higher up. Set up your ladder, fasten it safely, then climb up to check the roof;
Inspecting the roof on the roof – if the roof is safe enough to step on, put on some safety harnesses and anchor yourself safely (just in case), then go up on the roof and check it inch by inch. Pay special attention to sensitive areas, such as roof valleys and flashing stripes and address any issue that you detect as soon as possible.
Pests and insects are the enemies of most roofing systems, as they have a bad habit of making their nests in some of the most sensitive areas of the roof and causing a lot of trouble. In some cases, they can even cost you a lot of money by creating enough damage that you’ll need to pay hundreds or even thousands of dollars on repairs.
So, how can you tell if your roof is infested? The surest way is to have knowledgeable Colorado Springs roofing companies get up there with a ladder and have a fair idea of what you’re looking for. Depending on the type of roof you own, you can expect anything from termites for wood shakes to birds and squirrels making their nests close to the chimney and in areas where your flashing could be damaged, leading to leaks that can cause a lot of damage to the internal structure of the roof over time.
If your roof is made of an organic material such as wood, then you can already be sure that it’ll attract a lot of pests, so you should already be prepared to deal with them. Using various coatings and advanced types of paint should help prevent most of the damage, and at the same time, you should also take a few precautions to save up, so you’ll have enough money to pay for an exterminator or Colorado Springs roof repair.
Most people do not have luxurious interior stairs that can be decorated like in those Christmas movies, nor the fireplace where they can hang socks to be filled with presents. However, for any house there are nice and easy-to-use decor ideas.
Decorating the roof is an excellent choice to highlight your house. The effort to create and mount outdoor holiday decorations can be somewhat greater, but the effect is truly extraordinary.
Best holiday decorations for the roof commonly include outdoor Christmas lights and various inflatable objects. You can highlight the edges of your roof in different ways, write Merry Christmas in blinking letters across your roof, have Santa on his sled pulled by reindeers or Santa’s legs poking out of the chimney – the possibilities are numerous!
Whatever you choose, keep in mind the safety of your roof first, because no festive decor is worth damaging the roof and paying for it in terms of money and frustration. According to a well known Denver roofer,do not decorate your roof with solid objects; they may overload it, fall down or be carried away by wind, damaging other outdoor elements. Also, even when you use inflatable decorations, make sure you secure them safely without damaging roofing materials in the process.
Alternatively, you can also consider hiring a professional to securely install holiday decorations on your roof.