Flexible Payment Options

Your new roof,
on your terms.

Whether it’s an insurance claim, a straightforward purchase, or monthly financing — we’ll help you find the payment path that makes the most sense for your situation.

Apply for Financing Talk to us first
Licensed & Insured
CertainTeed Certified Installer
No-Pressure Consultations

Three Paths Forward

We help you choose the right option — no pressure, ever.

Every homeowner’s situation is different. Our job is to lay out the options clearly and honestly, then let you decide what works best for you.

Insurance Claim

If your roof was damaged by hail, wind, or a storm, your homeowner’s insurance may cover most or all of the cost. We inspect, document, and walk you through the claim process.

  • Free damage inspection & photo documentation
  • We work directly with adjusters
  • No out-of-pocket cost if claim is approved
  • Best option after storm or hail damage
Best for: storm & hail damage

Pay Out of Pocket

No insurance claim, no financing — just a straightforward, honest quote. Great for planned replacements, repairs, or homeowners who prefer to keep it simple.

  • Clear, itemized estimate upfront
  • No financing interest or paperwork
  • Flexible scheduling on your timeline
  • Same quality materials & craftsmanship
Best for: planned replacements

Monthly Financing

Spread the cost over time with flexible monthly payments through our partner, HFS Financial. Apply in minutes — no home equity required.

  • Fast online application — decisions in minutes
  • Flexible loan amounts & terms
  • No home equity or collateral required
  • Fixed monthly payments, no surprises
Apply Now →
01

Free Inspection

We come out, inspect the roof thoroughly, and photograph everything. No charge, no obligation.

02

We Walk You Through the Options

Based on what we find, we’ll tell you honestly whether an insurance claim, retail pricing, or financing makes the most sense for your situation.

03

You Decide

It’s your home and your money. We give you the information — the decision is always yours, with zero pressure.

HFS Financial

Ready to apply for financing?

Our partner HFS Financial offers fast approvals and flexible terms for home improvement projects. Apply online in minutes — no home equity needed.

Start Your Application Call us with questions

Financing is provided by HFS Financial, an independent lender. Northmont Roofing is not a lender and does not make credit decisions. Subject to credit approval.

Common Questions

Financing FAQ

How do I know if I should file an insurance claim?

If your roof has experienced hail, wind, or storm damage in the last 12–24 months, there’s a good chance your homeowner’s insurance will cover the replacement. We do a free inspection and can tell you whether damage meets the threshold for a claim — before you commit to anything.

Does applying for financing hurt my credit score?

HFS Financial’s pre-qualification check typically uses a soft pull that does not impact your credit score. A hard inquiry may occur only when you formally accept a loan offer. Check HFS Financial’s terms for full details.

How long does financing approval take?

HFS Financial is designed for fast decisions — many applicants receive a response within minutes of submitting the online application. In some cases it may take a business day.

Can I finance and also file an insurance claim?

Generally, no — if an insurance claim covers the roof replacement, financing isn’t needed for that portion. However, if there are upgrades, additional work, or your claim only partially covers the cost, financing could cover the remainder. We’ll walk you through this during your consultation.

Is there a minimum or maximum loan amount?

HFS Financial serves a wide range of project sizes. Visit the application link above for current loan amount ranges and terms. Our team is happy to answer questions before you apply — just give us a call.

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