Free 19-point roof inspection · Written estimate in 24 hours
Roof financing for Midlands homeowners
Monthly payment options through third-party lenders — including financing just your insurance deductible.
Quick answer
You can finance a roof through our third-party lending partners with monthly payments, promotional no-interest terms, no prepayment penalties, and same-day soft-pull decisions. On approved insurance claims you can finance just the deductible.
How does roof financing work?
Quick answer
Pick a term at pre-qualification, we complete the roof, the lender pays us, and you make fixed monthly payments. Nothing is due before materials are delivered.
| Scenario | Amount financed | What it usually looks like |
|---|---|---|
| Insurance deductible only | $1,000 – $5,000 | Short promotional term, often paid off with the RCV release |
| Cash-pay shingle replacement | $9,500 – $19,500 | Fixed monthly payment over a longer term |
| Metal roof upgrade | $21,000 – $58,000 | Longer term with a larger monthly payment |
| Repair or gutter project | $375 – $6,000 | Short-term promotional financing |
What should I have ready before applying?
Quick answer
Your written Beaver estimate, your ID, income information, and — on a claim — the carrier's estimate and your deductible amount.
We can walk through the application with you at the kitchen table after the inspection, or you can do it from your phone. Either way you will know the payment before you sign anything about the roof.
Is financing a good idea on a storm claim?
Quick answer
Often yes for the deductible, rarely necessary for the rest. On approved claims the carrier pays the replacement cost, so the only real out-of-pocket is the deductible.
What financing should never do is cover somebody's offer to “handle” your deductible for you — that is insurance fraud in South Carolina. See how we handle claims and the 2026 price guide so you know what you are borrowing against.
Get your number in writing
Every Beaver estimate is itemized line by line — tear-off, decking, underlayment, ridge vent, flashing, disposal and permit — so you can compare apples to apples.
- Free 19-point inspection with photos of every slope
- Written estimate within 24 hours
- Insurance claims scoped in Xactimate
- No same-day-only discount pressure
Frequently asked questions
Do you offer roof financing in South Carolina?
Yes. We work with third-party lenders that specialize in home improvement, with terms from 12-month no-interest promotions to long-term fixed payments. Application is a soft pull to check options, and approvals usually come back the same day.
Can I finance just my insurance deductible?
Yes, and that is one of the most common uses. On an approved claim your out-of-pocket is the deductible, so many homeowners finance that $1,000–$5,000 rather than draining savings.
Is there a penalty for paying it off early?
None of the programs we use charge a prepayment penalty. Many homeowners take the promotional term, then pay it off with the insurance depreciation release.
What credit score do I need?
Programs exist across a wide credit range. Rather than guess, run the soft-pull pre-qualification — it does not affect your score and shows exactly which terms you qualify for.
Talk to a person instead
Our office on Leaphart Road answers the phone Monday–Friday, 8am–5pm. After hours, the on-call estimator handles emergency tarping.
What happens next
- We call you back within one business hour.
- A real roofer walks the roof — 19 checkpoints, photos of every slope.
- You get a written estimate and, if it's storm damage, a claim-ready damage report.
- You decide. No high-pressure close, no same-day-only pricing.
No-pressure next step
Ready for a straight answer about your roof?
Free 19-point inspection, photo report the same day, and a written Xactimate-grade estimate you can hand to your insurance adjuster.
Why homeowners call us first
- Our estimators handle insurance claims every day — we write in Xactimate, the same platform your carrier uses, and can walk you through the process every step of the way.
- 4.9 ★ from 440+ Google reviews.
- We meet your adjuster on the roof, file supplements, and handle the paperwork.
- Local Lexington County crews — never subcontracted storm chasers.