“I’m on a tight budget, and I need to have my roof replaced. How can I get a new roof with no money?”

This is a great question, and it’s one that doesn’t get asked enough! Maybe it’s rarely asked because too many people don’t believe that it’s possible to get a new roof without having to pay a dime. But it is possible! Great! So, how can I get a roof with no money? Simple: it all boils down to your insurance.

More on that in a minute. First, let’s talk about when/if your roof really needs to be replaced. Then, we’ll find out: how can I get a new roof with no money? Finally, we’ll tell you how you can get your roof inspected by roofing professionals for free.   

When does a roof need to be replaced?

Too often, we’ve seen homeowners trying to replace their entire roof when it really only needed some patch-work repairs. Roof replacements aren’t as common as you’d think, and they’re only appropriate when severe roof damage has occurred.

So, what qualifies as “severer roof damage?”

If you’ve been following this blog page for a while now, then you’ll remember that we’ve already gone over the various types of roof damage that warrant roof replacements. But here’s a quick rundown on irreparable roof damages.

You may need to have your roof replaced if you notice:

• Cracked, curled, or missing shingles/panels
• Damage or discoloration around vents
• Missing granules
• Moss or algae growth
• Damage around chimney or skylights
• Visible leaks and/or water damage
• Visibly sagging roofline

And when does a roof not need to be replaced?

Generally speaking, your roof should last you a long time. Roofs are designed to last between 20 and 50 years. As long as there are no visibly severe damages, your roof should only require occasional maintenance and patch-work.

In general, roof damages are reparable when they cover less than 30 percent of your roof. If it looks like it can just be patched up, then chances are, it doesn’t need to be replaced! 

Now, what if I do need to replace my roof? How can I get a new roof with no money?

Here’s the best part: if you have homeowners’ insurance, then you probably won’t need to pay to have your roof replaced! Homeowners’ insurance typically covers roof replacements. That means you won’t need to pay a dime for a roof replacement, so long as it’s covered by your insurance.

So, when is a roof replacement not covered by insurance?

Your insurance company will cover a roof replacement if the damage is a result of an act of nature or a sudden accidental event. But they won’t replace your roof if it has deteriorated because of neglect.

Need your roof inspected? We’ll do it for free!

If you’re new to this blog, we’re a team of award-winning roofers based in Colorado Springs. We serve homes in Colorado Springs and Pueblo. If you’re a homeowner in southern Colorado, then let us handle all of your roofing needs! Claim your free roof inspection today, and find out if your roof damage will be covered by insurance!