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In Texas, insurance companies often withhold a portion of your claim, called recoverable depreciation, until your roof replacement is completed and proof of the work has been submitted. If your mortgage company is listed on the insurance check, it may also release funds in stages as the project progresses. This can create a temporary cash-flow gap for homeowners.

Pillar Roofing's IN-HOUSE Financing helps bridge that gap by dividing your out-of-pocket costs into six manageable payments, making it easier to get your roof replaced without waiting for every insurance payment to be released. Once the final insurance funds are received, many homeowners use those proceeds to pay off the remaining balance.

EXAMPLE:

Insurance Terminology:

Amount Replacement Cost Value—RCV $25,000

Less recoverable depreciation−$4,000

Less policy deductible $5,000

Initial Actual Cash Value payment $16,000

Depreciation released after completion $4,000

Total paid by insurance $20,000

Homeowner deductible $5,000

Six deductible payments $833.33 each

The Banker Come To You

Your Pillar Roofing Concierge knows how to deal with storm damage, a leaking roof, or a 2% insurance deductible. Coming up with a large lump sum of money is hard these days.

Unlike third-party lenders, our financing process is straightforward and personal.

We work directly with our customers to break deductible payments into manageable installments. As a trusted local roofing contractor serving homeowners for more than 25 years, we've built our reputation on relationships, Not Red Tape.

Our In-House financing allows repairs and replacement work to begin sooner, protecting your home while giving you the flexibility to pay over time.

Trusted Flexible Convenient

With Pillar Roofing's In-House Financing, you don't have to choose between protecting your home and protecting your budget.