How to Choose an Austin Area Roofer

Finding a Roofer is Smooth Sailing with These Tips

The first step is putting together a list of local roofing companies to choose from. The best place to start of course is to ask friends and family for a referral. This reference should be based on people having worked with the roofer in the past and not only just knowing one.

Other sources for finding local Austin roofers is the internet. Most qualified roofing companies now have some measure of web presence, and a quick search for Roofing Contractors + Your City should turn up some professional roofing companies in your area.

Other places to look for roofers online are review site directories like:

  • Angie’s List
  • HomeAdvisor
  • Yellow Pages
  • Yelp

You can look for roofing contractors offline as well, in places like the local newspaper.

Once you have a list of 7 – 10 roofers on your list it is time to start narrowing your list. Start looking for online reviews and complaints about their services. After you find the ones you like, give a few of them a call to set up an appointment.

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Before installing a new roof or having repairs made consider the following when selecting your Roofing Contractors:

  1. Look for an established, licensed or bonded roofer and request references.  Texas doesn’t currently require roofing companies to be licensed.  However, Texas does have a self-regulating roofer organization that requires roofers to have experience and to be licensed.  For more information visit the Roofing Contractors Association of Texas website.
  2. Carefully review and understand any warranty and look for conditions that would void it.
  3. Use caution and ask questions before accepting a bid substantially lower than other bids covering the same repair work.
  4. Ask to see the certificate of insurance to be sure both liability and workers compensation insurance coverage is carried, and are in force during the time the roofing work is being done.
  5. Insist on detailed, written estimate stating the quantity of materials needed (labor charges, work specifications) wich include approximate starting and completion dates, payment procedures and that any necessary building permits are secured.

About Us

Getting a new roof is a big purchasing decision and we appreciate the gravity of that decision.  The very best way to make sure you get the best price and the best contractor for your roofing project are to contact three or four local roofers to request a quote.  All the quotes should be around the same price since roofing is such a competitive industry.

If you want a professional roofer to take a look at your roof or to give you a free estimate call (507) 589-4020 to set up an appointment.  Our roofers are local Austin businesses with over 20 years experience and will treat you fairly.

12 Best Ways to Pay for a Roof

Owning your home is a beautiful thing.  Homeownership gives you the freedom to do with it what you please.  But that also means that there is not a landlord to call when repairs are needed, and few repairs are more expensive than installing a new roof.  No one in their right mind would prefer to spend thousands of dollars on a new roof than to go on a nice beach vacation. We all have had to make tough financial choices when it comes to home repairs and maintenance.  Let this article be your guide to the best way to pay for a roof.

After reading this article, you will understand:

  • Why not immediately buying a new roof when one is needed is a costly mistake
  • How to finance a roof replacement
  • Ideas on how to pay for a roof using unconventional methods

Steps to Getting a New Roof

Before you even consider financing a roof you need to know two important things: Do you need a new roof and how much is it going to cost you.

We covered both of these topics in previous articles and both can read here:

Cash is the Best Way to Finance a Roof

Cash is always your best options for purchasing a roof replacement; I am talking about money that you readily available to use, not necessarily green dollar bills.   I recommend not paying your roofing contractor in dollar bills, but instead, write a check or use a credit card so that you have a paper trail.

Paying all cash allows you not have to deal with a bank and worry about all those expensive finance charges.  Paying for roof repairs with money from your savings allows you to pay yourself back in increments.  However, paying for a new roof is expensive, and it’s understandable that having thousands of dollars of cash stashed in between couch cushions to pay for a roof replacement isn’t a luxury that most people have.

When to start saving for a roof

A typical asphalt shingle roof will last 20 – 25 years, so if the roof on your home is 15 – 17 years old or if your house was built in the late 1990s or early 2000s then your roof may soon need replacing.  Start by determining how much you will need to save by reading our guide, Cost of a New Roof, to determine a good ballpark figure.

How to start saving for a roof

Now that you know how much a roof replacement will cost, you now can start stashing away a little money each month.  If you have a roof that is 15 years old and you determine that you want to have $10,000 saved in five years, you would need to set a goal of saving $167 each month for the next 60 months.

What are the options if you are short on cash

If you know you need a roof replacement but have decided to delay the project because of money, you are putting your home and family risk.  If you have a leaky roof you are letting moisture into your home.  Water in your attic, walls, and insulation will cause mold to grow, wood to rot and attract wood-eating insects.  If a leak is allowed to persist, then you increase your risk of structural damage and health issues.

You may be asking yourself, “Is a roof replacement worth the debt?”  The answer is Yes. Ignoring the problem will only allow moisture into your home making repairs more expensive in the future.

How to Pay for a Roof with No Money

The Different Ways to Finance a Roof

The apparent reason to finance your new roof is that you don’t have enough money to pay for it. Also, you may not want to deplete your entire savings, if you don’t have to.

If you know how much a roof will cost, then you need to start looking into financing and loan options that are available to you.  You should only start looking into financing a roof when are aware that you need a new roof and you know how much money it will cost.  You should only finance the amount that you need and not a cent more!

Are you asking, how am I going to pay for a roof with no money?

Credit Cards

Using credit cards may be a good option for some if the card’s interest rate is low and can be paid off quickly in a few months.  Using your credit card to pay for a roof could be beneficial if your credit card has a good rewards program, as well.  Using a credit card is a safe choice if you can pay off the debt quickly and if you have a low-interest rate.

You should not charge a roof to a credit card if the card is high interest.  Some credit cards have an APR of over 30%, and using a credit card with such a high-interest rate could but you an impossible hole.  Also be mindful of credit cards that are 0% interest for 12 months, but then the interest skyrockets. These types of credit cards are useful if you pay off the balance during the introductory period.

Is Your Roof in Need of an Upgrade? Get a Roof Coupon!

Next, a credit card shouldn’t be used if you only can afford to pay the minimum payment each month.  Here is why- let’s say you finance $6,000 of roof repairs on your a credit card with a modest interest rate of 12.5%, and you only pay the minimum payment of $50.00.  It will take you 106 months to pay off your debt if you make minimum monthly payments on a balance of $6000.00 with a 12.5% APR. In that time, you will pay $2696.24 in interest charges.   If you can only afford the minimum payment, then you shouldn’t use a credit card to finance your roof.Using a credit card to pay for a roof replacement has its pros and cons!

HELOC

Financing your roof with a HELOC or Home Equity Line Of Credit is another option for homeowners. A HELOC is a loan in which the lender agrees to lend you a maximum amount within an agreed period, where the collateral is the borrower’s equity in his/her house. Source: Wikipedia

A HELOC is different for a second mortgage or a home equity loan in that you do not get a lump sum of money up front, but uses a line of credit to borrow sums of money up to the credit limit, similar to a credit card.

A HELOC may be a better choice than a credit card because typically they have a lower interest rate.  A HELOC is also a good choice if you have plenty of equity in your home.

HELOC have variable interest rates, this means that your interest rates can rise.  A higher interest rate will affect your monthly payment and the overall cost of the loan.  A HELOC will not be available to you if you don’t have significant equity in your home to use as collateral.

Second Mortgage or Home Equity Loan

You may decide to finance your new roof with a home equity loan or second mortgage.  A home equity loan allows a borrower money from a bank against the equity in their home.

Pros:  An HEL will typically have a fixed interest rate and installment payment.  You will precisely know what you will pay each month for the duration of the loan.  Usually, you can get a low-interest rate because the loan is backed by your home as collateral.  Also, the interest portion of your installment payment is tax deductible for the borrower, with some limitations.

Cons:  The biggest risk with HEL is that you are using your home as collateral and if you default on the loan, it is probable that your home could be foreclosed then sold at auction.  So it is important to make sure that your payments according to the loan agreement.

To qualify for a HEL, you will need to have sufficient equity in your home and qualify for a loan.  A HEL can be an easy source of cash and obtain one can be quite simple.  Source: Investopedia

Cash-out Refinance

Financing your roof installation with cash-out refinance may be an option if your new roof has a substantial cost.  A cash-out refinance where a borrower gets a new mortgage greater than the existing mortgage amount, plus settlement costs.  The purpose of a cash-out refinance is to extract equity from the borrower’s home.

This loan is an alternative to a home equity loan (HEL).  The pros and cons are very similar to that of a HEL.  However, the bank may charge high fees, like property appraisals, document fees, and attorney fees, for a cash-out refinance mortgage.

Note:  The state of Texas doesn’t use Mortgages, but instead uses Deeds of Trust.  The two are different, but for the purpose of this article, the terms are interchangeable.

Title I Home and Property Improvement Loans

Getting a Title I Home Improvement Loan to finance a roof replacement is another option available to you.  This loan is for single-family homes to use for site improvements, alterations, and repairs. The property owner needs to apply for a Title I Lender that is approved to make these types of loans.  For more in-depth information visit: hud.gov

Pros:  The interest rate is fixed and based on a common market rate.  You can get a loan for up to $25,000 for a single-family house.

Cons:  Any loan of $7,500 must be secured by a mortgage or deed of trust.

Signature Loan or personal loan

A signature loan or sometimes called a personal loan is another option for financing a new roof for your home.  A personal loan is an unsecured debt (won’t have to use your home as collateral) that can be used to pay for a roof.  The benefits of a personal loan are fixed monthly interest rate and payment.  The interest rate and terms vary based on your credit score and other factors.

Just like hiring a roofing contractor, it is important to shop around for the lowest interest rate.  The interest rate banks charge can vary considerably, so it’s important to do your homework.  Furthermore, just like finding a roofer, it is important to shop locally and build relationships with local businesses, so find a local bank or credit union.

Personal loans are great for small amounts, like that of a roof replacement.

Unconventional Finance Methods

Get a loan from a friend or family

Now I can hear you moan as you read this, then comes the awkward silence.  But getting a friend or family to loan you money may be your only option to finance a new roof with bad credit.  Obtain a loan from a friend or family is a tricky game, but if done correctly it can be beneficial to both you and your friend.

First, realize that if you are going to be getting a loan from a friend, you shouldn’t take advantage of them by asking for a no interest loan and not repaying your loan.  You need to honor the terms of your agreement, just as you would with a bank.  You should actually treat your friend better than you would treat your bank, after all, they are your friend.

It is important to document everything, and realize that these documents are legally enforceable.

Here are some dos when getting a loan from a friend:  Do create a contract and a repayment plan, do get the document notarized, do make timely payments, do think of the loan as a business transaction. Finally, Do hire a local business attorney to draw up the loan documents.

Here are the don’ts when getting a loan from a friend:  Don’t make your friend ask for the payment each month, don’t ask for a no interest loan, don’t think of the loan as a gift

Pros:  Getting a loan from a friend can be win-win for both you and your friend if handled correctly.  You win because you get the money to pay for your roof and your friend wins because he or she gets a modest return on their money.  Also, you don’t have to worry about going into a bank or getting a second mortgage on your house.

Cons:  Getting a loan from a friend or family member can be a dangerous game.  If you don’t live up to your obligations, you could risk losing the friendship, and you could end in small claims court.

Find a roofing contractor that finances

You could find a contractor that fund roof replacements.  Roofing companies that finance can be difficult to find because contractors like to do what they do best and that is building exceptional roofing systems.

There are roofing contractors that offer financings, but these are typically big regional companies that charge more for their roofs.  These roofers typically partner with lenders. Their lending partners are not different from your local bank or credit union.

You can replace the roof yourself

If you are handy with tools and have the experience, you can save money by replacing the roof yourself. But unless you are skilled in carpentry and in excellent physical shape you should rely on professionals for such work.

DIY repairs are a great way to save money

Barter with contractor

Do you have something of value or a skill that you can trade for roofing services? The difficulty with this options is that it may be quite difficult to find a professional company willing to work for barter.  If you want to barter then read: How to Barter Anything.

Government Grants

There are a few government US grants that help with roof replacements but the grant may not pay for your entire roof and also could take months if not years to get approved.  Grants may not be an option if your roof is leaking now or is severally damaged.

About Us

Getting a new roof is a big purchasing decision and we appreciate the gravity of that decision.  The very best way to make sure you get the best price and the best contractor for your roofing project are to contact three or four local roofers to request a quote.  All the quotes should be around the same price since roofing is such a competitive industry.

If you want a professional roofer to take a look at your roof or to give you a free estimate call (507) 589-4020 to set up an appointment.  Our roofers are local Austin businesses with over 20 years experience and will treat you fairly.

How Much Does a Roof Cost in Austin?

 

Are you thinking you need a new roof replacement for your home because you hear that drip drip drip of running water? Or maybe you just suspect that your roof has reached its usefulness and want to be proactive and prevent roof leaks and possible water damage.

If you are either being reactive or proactive with your home’s roofing system, you are going to want to know how much a new roof is going to cost you and your family.

So you have identified the problem that you need a new roof install or a roof replacement, and now you are researching how much it will cost you.

If you are reading this article, you likely know you need a roof, so you are starting to research your options

Let’s face it; there are thousands of other things you would rather spend your money on than on a new roof…believe me I get it. But when your roof is reaching the end of its lifespan taking preventative action to replace your roof is a sound financial decision. One reason is that water damage remediation for a roof leak is a lot more expensive than just a roof replacement.

Are you not for sure you need a new roof?  Then read, 6 Warning Signals That You Need Roof Repairs

Now you are doing your research on How Much Should a Roof Cost in Austin TX and How Do I Find a Good Roofer in Austin, TX.

The purpose of this article is to give you a better understanding of the following:

  • How much a new shingle roof will cost
  • What goes into a roofing estimate
Is Your Roof in Need of an Upgrade? Get a Roof Coupon!

What is the average cost of a new shingle roof in Austin?

Here is the short answer:  Most new asphalt shingle roofs generally can cost anywhere from $3,000 to $15,000. That is quite a wide price range for the cost of a roof!

Asking for the price of the typical roof is like asking for the price of a regular house because everyone has a different definition of “typical” and “average.”   So you have to break down the calculation at the cost per unit basis so that you can calculate the size of your roof. Knowing how big your roof is will help you determine how much material you will need to purchase.

You may be saying, “Wait. Knowing the average is good and all but I want to know how much my roof will cost!

What will a new roof cost you?

Here is your answer?  There are four significant factors when determining your roofing costs.  They are Size, Materials, Complexity, and Labor.

Roof Size/Area

The size of your roof is the number one factor in figuring out the cost of a new roof. The bigger the roof, the more material you need, and the more labor will be necessary.

Roofing contractors use “squares” to determine the size and cost of residential roofing.  A square is 100 sq ft, so a 10 ft X 10 ft area is 100 square feet or one square. The number of squares largely determines the price of a roof.

To understand how much a roof will cost, you need to calculate your number of squares. Determining the total number of squares will take a bit of geometry, but luckily we have found an article on how to calculate roofing squares like a roofing contractor.

Material Costs

After you know the dimensions of your roof, you can begin determining some materials that you will need for the project.

The materials that you will undoubtedly need are asphalt shingles, roof felt/underlayment, nails, ridge vents, roof flashing, and caulk.

Asphalt Shingles

A shingles bundle covers 1/3 of one square, so for example, if the price is $28.00/bundle and you need three packages to cover one square then the cost would be $84.00 per square for asphalt shingles.

Asphalt shingles can cost from $20 – $45 per dollars per bundle. The cost of shingles largely depends on quality, style, and composition.

Price for one square: $60 – $135

Roofing Felt

Roofing felt is the barrier between the asphalt shingles and the plywood. Rolls for roofing felt typically come in a roll of 200 square feet. You can buy a roll for between $14 – $20.

Price for one square: $7 – $10

Roofing Nails

Roofing nails are galvanized so that they will not rust. Each shingle will need three nails to fasten the shingle to the roof deck. There are 20 shingles in a bundle and since you need three shingle bundles for one square, then you will 180 nails per square. You can buy nails for about a penny. So you can purchase a box of 1,000 nails for about $10 so estimate about 3 – 4 boxes.

Price for the job: $30 – 40

Other materials

Other materials aren’t priced by the square, like ridge vents, roof flashing, caulk, and trash bags.  You will need to determine the amounts you will need.

Adding additional quantity for scrap

When you figured out the materials, you need you should add 10 percent more material to account for scrap or rework. You nor your roofer would want to get 95 percent through with their project to discover you were short of nails or shingles. It is better to buy more than you need and then take unopened products back to the store.

Other Cost to consider

You also need to account for items like transport of materials from the hardware store to your home, the cost of renting a dumpster or trailer, and the cost of disposing the old shingles at a landfill.

Another cost that may need to account for is the price to carry out roof repairs. If your roof has leaked, then there could be water damage to the roof decking. Rotting boards or soft sections in the roof will need to be replaced. Repairing the roof deck will add additional cost to a roof replacement project.

The material cost is one of the most considerable expenses when it comes to a new roof.  If you do these calculations before hiring a roofing contractor, you will have a rough idea what you material cost will be.

Architectural Complexity

Another factor that goes into the expense of a roof is the roof’s complexity.  A roof design can be as simple as a simple gable or incredibly complicated.  Is your home one story or is it higher?  The more complex a roof is and the higher off the ground, the more it cost to replace the roof.

Services Provided by Austin Roofing Companies

The second significant portion of roofing cost is the cost of a professional roofing contractor.  When you decide to hire an experienced Austin Roofing Company they should provide the following services:

  1. Provide expertise and experience
  2. Remove the old roof
  3. Provide need structural repairs
  4. Safely install the new roof
  5. Clean up the site and haul away the waste
  6. Provide a written warranty

What you are paying for when you hire a roofer

Labor for roofing crew

It may seem obvious, but a company needs to pay their team a decent and competitive wage for the dangerous and backbreaking work they do.  This compensation includes salaries and sometimes health insurance coverage.

Safety and training

A roofing company has to invest in training its crew and also has to make sure they are trained on how to install the various roofing products safely and correctly.

Capital equipment

A roofing company has to buy a lot of capital expenditure, like trucks, ladders, tools, safety equipment, trailers, and more. These are significant expenses that have to be paid for by a portion of each job.

General liability insurance

A competent insurance company will care insurance so in the event one of their crew gets injured on your property, the injury is covered by their insurance and not your homeowners.

Experience and reputation

You are paying for a roofers experience, a more experienced roofer or a roofer with a specialty will cost more than a roofer that just decided to start yesterday.  You need to find the right roofer for your project and budget.  The right roofer isn’t necessarily the cheapest.

Modest profit

A roofing company expects a decent profit from the work that they do.

Total Cost of Hiring a Pro Roofer

When you hire a roofing contractor these factors can range from $100 – $350 per one square for your roof.

Cost for Your Roof = Material Cost + Roofing Labor Cost

So you can expect to pay from $200 for one square on the low end to $550 per square or more on the high-end depending on what materials you choose and the level of expertise of the roofer.

This guide is meant to help you get a ballpark figure for what you can expect to pay for a new roof in Austin, Texas and the Travis County area.

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About Us

Getting a new roof is a big purchasing decision, and we appreciate the gravity of that decision.  The very best way to make sure you get the best price and the best contractor for your roofing project are to contact three or four local roofers to request a quote.  All the quotes should be around the same price since roofing is such a competitive industry.

If you want a professional roofer to take a look at your roof or to give you a free estimate call (507) 589-4020 to set up an appointment.  Our roofers are local Austin businesses with over 20 years experience and will treat you fairly.

Roof Repairs Austin

6 Warning Signals That You Need Roof Repairs

Whether you’re a first-time homeowner or a veteran house-flipper, it can be useful to know the red flags of roof damage and decay so you can anticipate repairs.

Most owners discover they need a roof replacement after they spot a leak in their ceiling. A roof leak could be due to several different roofing issues. But, what factors truly determine whether a roof repair will solve the problem or the house needs a new roof?

1. Roof Age

When was your asphalt shingle roof installed, was it before 1997?  Most roofing experts believe that the typical roof will last between 20 -30 years. But this estimate assumes that the old roof was removed and that you only have one layer of shingles, and that your attic is properly ventilated. If your roof was installed over a previous layer of shingles and your attic space isn’t properly ventilated, and your roof is over 20 years, there is a high probability that you will need a new roof.

2. Granule Loss

Asphalt shingles tend to lose granules towards the end of their life. Look for inconsistencies in color on areas of the roof and look in your gutters to find whether they are loaded with granules.

3. Moisture trapped in roof’s insulation

Check for moisture caught in the attic insulation and look for discoloration on the roof boards for the evidence of water. If you see or feel moister, this means you have a roof leak and need to call a professional roofer.

4.Curling shingles and buckling

Shingles tend to curl up because of weathering and natural wear and tear. Once you spot curling shingles, don’t delay because you could soon have leaks. Look first at your shingles on the side of your roof that gets the most sunlight; typically the southern face will get the most sun, to check for buckling and curling.

5. Light shining through the attic

Inspect your attic space to see if there is daylight coming through the attic ceiling. If you see the light coming through, then this means that water can also come through your roof. Feel and visually inspect the attic insulation for signs of moisture.

6. Missing Shingles

Missing shingles are a definitely a sign that you need a roof repair. If you see loose or fallen shingles, you should call a local Austin roofing company.

We would advise you not to climb on your roof for an inspection. All of these tips can be followed from the safety of the ground, if you feel are concerned that you do need a new roof, we encourage you to seek the advice of a professional local Austin area roofer.

If your home is experiencing any of these issues, it’s a smart choice to start looking into a replacement now or consult with an experienced roofing crew to confirm whether your roofing system needs to be an immediately addressed.

Replacing your roof may seem like a challenging task, but a savvy homeowner equipped with these tips and supported by experts can safeguard their home with a roof indeed built to last.