Replace your roof with payments you can afford
Your roof can’t wait.
Your budget shouldn’t have to.
An aging roof puts you at risk on two fronts: your insurer may cancel your policy, and storm season won't wait for you to replace it. Don't let the cost be the reason you wait.
See if you qualifyWhy Florida homeowners can’t put this off
A roof issue in Florida is a financial risk. Here’s what’s driving homeowners to act.
Insurance non-renewal
- Your insurer may have flagged your roof’s age or condition
- Cancellation notices come with tight deadlines
Storm season
- A compromised roof heading into hurricane season is a liability
- The next storm doesn’t care that you were planning to address it next year
Compounding damage
- Small issues turn into expensive ones fast
- A missing shingle leads to a leak. A leak leads to mold, structural damage and a much bigger bill
Home value
- An aging or damaged roof affects your home’s value and your ability to sell or refinance
Signs your roof needs replacing
You don’t need a roofing expert to spot early warning signs
- Curling, buckling or missing shingles or cracked tiles, especially in the valleys where water drains
- Granules collecting in gutters (a sign your shingles are breaking down)
- Visible daylight through the roof boards in your attic
- Water stains or active leaks on interior ceilings
- A roof over 20 years old, even if it looks intact
- Your insurance company has sent a notice or required an inspection
If any of these apply, it's worth getting a professional assessment and knowing your financing options before you do.
What type of roof do Florida homeowners need?
The three most common roofing materials in Florida are asphalt shingles, tile and metal.
Each has trade-offs worth understanding before you commit.
Shingles
Asphalt shingles are the most common and most affordable option. They typically last 20 to 25 years but are more vulnerable to wind and moisture damage, which matters in hurricane country.
Tile
Tile (clay or concrete) is a Florida staple, particularly in South Florida. Tile roofs are heavier, more durable and better suited to hurricane-force winds, but they come with a higher upfront cost.
Metal
Metal is increasingly popular for a good reason. It can withstand winds up to 140 mph, lasts 40 to 70 years and is resistant to mold and pests. The upfront cost is higher, but the long term value is strong.
Your contractor can help you determine which material is right for your home. Ygrene financing is available for all three.
Payments you can actually afford
A new roof is a major expense. Traditional financing like personal loans and credit cards demand repayment in two to five years. That means high monthly payments on top of everything else.
Ygrene PACE financing works differently. With repayment terms up to 20 years, your monthly payment is significantly lower, making a necessary repair actually manageable.
How Ygrene financing works
Approval based on your home's equity and ability to repay, not your credit score.
- We look at the value of your property, not your credit history. No impact to your credit.
Repaid through property taxes.
- Your Ygrene assessment is added to your annual property tax bill. No separate loan payment to manage each month.
Up to 20 years to repay.
- Longer terms mean lower payments. You choose a term that fits your budget.
Your contractor is paid only after the work is complete.
- You’re protected throughout the process.
“Before, every time it rained we saw evidence of roof leaking, so we kept making repairs on a yearly basis. Now we have peace of mind. We don’t have to think about the roof anymore.”
— The Pierces, Weston, FL
Read more reviewsReady to get your roof replaced? Find out if your property qualifies. It takes minutes, there's no credit impact, and you'll know exactly what your options are.
See if you qualifyOr, call us at 866-634-1358.
