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What If Insurance Won’t Cover Your Roof Replacement?

Discovering you need a new roof is stressful enough—but finding out your insurance won’t help cover it can feel overwhelming. Whether your claim was denied, underpaid, or you simply don’t qualify due to age or type of damage, we want you to know one thing:

You still have options.

At Advanced Restorations, we believe no one should have to compromise the safety of their home just because their insurance company let them down. That’s why we offer flexible financing solutions and a fast, accurate estimate process to help you move forward with confidence—even without insurance.

Why Might Insurance Not Cover a Roof Replacement?

Homeowners often assume that insurance will cover storm damage or general wear and tear. But the truth is, many policies come with limitations like:

  • Age of the roof (e.g., “no coverage after 15 years”)

  • Type of damage (only hail, not wind or wear)

  • Excluded materials or improper installation by a past contractor

  • Depreciation clauses that drastically reduce your payout

If you’ve run into these issues, you’re not alone, and you’re not stuck.

Financing Options for Your Roof Replacement

We work with reputable financing partners to offer affordable monthly payment plans that fit your budget. Whether you need to finance all or just part of your roof replacement, we can guide you through the process.

✅ Fixed monthly payments
✅ Low or no interest options for qualified applicants
✅ No need to delay a much-needed repair

Even if your credit isn’t perfect, we can help you explore what’s available. And the application is easy—you can do it online in just a few minutes.

Know What You Need First: Get a Roof Estimate

Before you apply for financing, it’s a good idea to know exactly how much your project will cost. That’s where our Roof Replacement Estimate Tool comes in.

Using just a few pieces of information—such as the size of your home, roof slope, and materials preferred—we can provide you with a fast, accurate ballpark estimate. This helps you:

  • Apply for the right amount of financing

  • Avoid over- or under-borrowing

  • Get clarity on what to expect

You’ll also get a better idea of your available options and whether certain upgrades or repairs may be necessary.

Get Your Free Roof Estimate Now


Ready to Apply? We Make It Easy.

Once you’ve received your estimate, you can proceed with financing through our secure online application portal. It’s fast, straightforward, and designed to get you approved so your project can move forward without unnecessary delays.



Need help during the process? Our team is happy to walk you through your estimate and financing options step by step.

We’re Here to Help You Protect What Matters Most

At Advanced Restorations, we believe every homeowner deserves a reliable, code-compliant roofing system—with or without insurance support. From helping you understand your options, to giving accurate estimates, to offering payment plans that ease the financial burden, we’re with you every step of the way.

If your insurance left you behind, let us help you move forward.

Schedule a free inspection today or start with an online estimate. Your home deserves the protection of a properly installed roof.