Cape Cod home with dormers and a newly shingled roof

Roof Financing in Northern Virginia & Maryland

Nobody Plans to Buy a Roof

Most homeowners never write one large check for a roof. There are two ways to structure it, they suit different situations, and both start with a soft credit check that does not touch your score.

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(301) 861-7445

TAMKO Diamond Contractor

Licensed VA Class A #2705084385 · MHIC #142051 · Insured

What homeowners say

Real reviews from the DMV

Google Reviews4.7Based on 202 Google reviewsSee them on Google

Jason Reynolds
6 months ago
We had our roof replaced last month by AHS and the process was great. Kevin Diaz came out and did a great job with the initial roof inspection and walk through of the process. Rama did a fantastic job with explaining the options and costs and getting everything setup and then keeping on top of everything. The crew was friendly and professional and did an excellent job with the install and the cleanup. Finally, Lukas Turner was great with the post install inspection and walkaround.
Roof Replacement · Worked with Kevin Diaz, Rama, Lukas Turner
Joe Jones
6 months ago
Just completed the final process for a new roof constructed by AHS. I was thoroughly impressed with AHS’s personnel specifically Brock Doctson. He took us through the entire process from talking to the insurance company to physically coming to the house for payment when needed. He explained the entire process in great detail and was very attentive in following up and answering any questions. AHS should be very proud of his work ethic. Will recommend this company to anyone.
Roof Replacement · Worked with Brock Doctson
Raquel Nunez
1 month ago
We are very happy with our new Roof. Kyle and Rama did an excelente job communicating and the crew was very clean and profesional. So happy we used this company! I would highly recommend this company if you need a new roof.
Roof Replacement · Worked with Kyle, Rama

View all of our reviews

Two ways to pay

Clear It Fast, or Spread It Out

A roof is rarely a purchase anyone budgets for, and the payment structure should not be the reason a failing roof stays on the house. These two suit genuinely different situations, so the question worth answering first is which one sounds like you.

Option one

No interest if paid in full

Pay the balance off inside the promotional window and you pay no interest at all.

No monthly payments are due during the promotional period.
Every dollar you pay goes to the balance and none of it to interest.
Well suited to anyone expecting insurance proceeds, a bonus, or a tax refund.

Interest is waived only if the balance is paid in full before the promotional window closes. If any balance remains when it ends, interest is charged retroactively from the original purchase date at the full rate, not from the end of the promotion.

Best for Homeowners who intend to clear the balance quickly.

Option two

A fixed monthly payment

A set rate and a set payment, from the first month to the last.

The payment never changes and never balloons.
Longer terms are available, which produces the lowest monthly payment of any option.
No deadline, no cliff, and no interest charged retroactively.
You can still pay it off early with no prepayment penalty.

Best for Homeowners who want a payment that fits a budget and stays there.

Both start with the same soft credit check, which does not affect your score, and you see the exact rate and terms in writing from the lender before you sign anything. We work with several lenders and we place strong credit and thin credit both.

Read this before you choose option one

“No Interest” Is Not the Same as Zero Percent

On a promotional plan, interest is waived only if the entire balance is paid off before the window closes. If any balance is left when that window ends, interest is charged retroactively from the original purchase date, at the full rate, on the original amount. Not from the end of the promotion. From day one.

That makes it a genuinely good option when you know money is coming: an insurance check, a bonus, a refund. It makes it the wrong option if there is any real chance the balance is still sitting there at the deadline. If you are not confident about clearing it, the fixed monthly payment is the safer structure, and it is not the more expensive one in that scenario.

Any rep who explains it differently is explaining it wrong. Ask them to show you where the promotional period ends and what happens the day after.

If a storm is what brought you here

What Financing Covers on an Insurance Job

Your deductible

You can finance any part of the job you owe out of pocket, and for most claim customers that is the deductible plus whatever you choose above what the carrier approved.

A partial approval

The hardest case: you are holding a check that pays for part of a roof and a house that needs all of it. Financing the difference lets the whole roof go on now while we re-document the slopes the carrier left out.

A denied claim

A denial is not a verdict on whether your roof needs replacing. Carriers only answer whether they are paying. Plenty of the work we do is not insurance work at all.

No contractor can cover your deductible

Any contractor who offers to cover, absorb, discount, or work with you on your deductible is proposing insurance fraud, and the exposure lands on you as well as on them. Your name is on the claim, your policy is the one that gets cancelled, and your loss history follows you to the next carrier. It is a common offer after a storm and it should end the conversation. Financing the deductible is the legitimate version of solving that problem.

More on how claims work on the roof insurance claims page.

What you are paying for

Financing Does Not Change the Roof

Both packages are available on either payment structure, and the crew, the components, and the warranty registration are identical whether you pay up front or over time. Bundling siding or gutters with a roof does not change the terms either, and it is the most common way our customers do both at once.

See what goes into a roof system for the difference between the two packages, or roof replacement for what determines the price in the first place.

Questions

Roof Financing Questions, Answered

Do you offer financing for a new roof?

Yes. Most homeowners never write one large check for a roof. There are two ways to structure it: pay the balance off inside a promotional window and pay no interest, or take a fixed rate with a set monthly payment that runs the life of the term. Both start with the same soft credit check, and you see the exact rate and terms in writing before you sign anything.

How does "no interest if paid in full" actually work?

Interest is waived only if the entire balance is paid off before the promotional window closes. If any balance is left when that window ends, interest is charged retroactively from the original purchase date at the full rate, not from the end of the promotion. It is a genuinely good option if you are expecting insurance proceeds, a bonus, or a refund. It is the wrong option if there is any chance the balance is still there at the deadline.

What is the difference between the two payment structures?

The first one has a deadline and rewards you for beating it. No payments are due during the promotional period and every dollar you pay goes to the balance. The second one has no deadline and no cliff: a set rate, a set payment that never changes and never balloons, and no interest charged retroactively. Longer terms are available on the second structure, which is what produces the lowest monthly payment of any option.

Can I pay it off early?

Yes, on either structure, and there is no prepayment penalty. On the fixed-payment option paying early just shortens the term. On the promotional option paying early is the entire point.

Will applying hurt my credit?

Both options start with a soft credit check, which does not affect your score. A hard pull happens only if you move forward with an application. We work with several lenders and we place both strong credit and thin credit, so a soft check is worth doing even if you are not sure you will qualify.

Can I finance my insurance deductible?

You can finance any part of the job you owe out of pocket, and for most claim customers that is the deductible plus any upgrade beyond what the carrier approved. What no contractor can do is cover, absorb, or discount your deductible. That is insurance fraud, and the exposure lands on you as the policyholder as well as on them.

What if my claim was only partially approved?

That is one of the most common reasons homeowners finance. You are holding a check that pays for part of a roof and a house that needs all of it. Two paths: we re-document the slopes the carrier left out and ask them to reconsider, or you finance the difference and build the whole roof now.

Get the Number Before You Pick a Plan

The inspection is free and it includes the attic. You get a full report and a written proposal the same day with both packages priced, and the financing conversation makes a lot more sense once there is a real number attached to it.

Crews Monday to Saturday. Office phones Monday to Friday.

(301) 861-7445 Get My Free Inspection