Before you finance a roof, ask what credit is needed, how long approval takes and whether paying early costs extra. Then get every term of the plan in writing. Comparing a few plans side by side keeps you from guessing, and it keeps a surprise from showing up after the work is done.

Dalton Roofing Inc is a family-owned company based in Fort Pierce, and monthly payment plans are available for residential roofing projects. Here are the questions we think every homeowner should ask, whether they use our plans or someone else's.

What credit do you need?

Ask this first, because it decides whether a plan is even open to you. Credit rules differ from one plan to the next, so get the requirement stated plainly.

Dalton says its financing options are designed for a range of credit situations. If you are unsure where you stand, ask before you assume the answer is no. You can read the details on our financing page. A direct question now saves you a lot of worry later.

How fast is approval?

Ask how long the lender takes to answer and what they need from you to start. Timing matters most when a leak is active or a storm has hit.

If your roof is already leaking, say so up front. A temporary fix may keep the water out while the plan is sorted. Dalton offers 24/7 storm and emergency response in Port St. Lucie, Stuart, Jupiter and the rest of our area, so waiting on paperwork does not have to mean waiting with a wet ceiling.

Are there prepayment penalties?

Ask whether you can pay the balance off early, and whether doing so costs anything. Some plans let you pay ahead without a fee. Others do not.

Do not rely on a verbal answer. Ask to see the sentence in the paperwork that covers early payment. If a plan cannot show you that sentence, treat it as unanswered and keep looking.

What should the plan state?

The plan should state every term in writing before you agree to anything. A good plan is easy to read and has no gaps you have to fill in yourself.

Look for these items:

  • The total amount being financed and what it covers
  • The monthly payment and how many payments there are
  • The interest rate and how it is calculated
  • Any fees at the start, during the term or at payoff
  • What happens if you miss a payment
  • When payments begin in relation to the work

Compare the plan to the roofing estimate as well. Our estimates are written and itemized after an inspection, so you can match the financed amount to the scope of work line by line.

Does financing cover repairs too?

Ask whether the plan applies only to a full replacement or also to repairs. Some projects are smaller than a new roof, and not every plan fits every job.

Tell the company what the project is when you ask. A repair, a partial replacement and a complete roof replacement may each be handled differently. Get the answer for your project, not a general one.

How do you compare two plans?

Put them side by side and compare the same items on each. Look at the monthly payment, the term, the fees and the rules for paying early.

A lower monthly payment can come with a longer term. That is not good or bad by itself, but you should know which one you are choosing. Write both plans on one sheet of paper and look for the differences. If something is missing from one plan, ask for it before you decide.

Start with a free roof inspection from Dalton Roofing Inc. You get a written summary with no obligation, so you know the scope before you talk about payments. Call (561) 662-6622 and ask about financing when we set the visit. Se habla espanol.

Frequently Asked Questions

Can I get financing before the roof inspection?

It helps to inspect first. A written, itemized estimate shows the scope of work, so you know what you would be financing. Dalton offers a free roof inspection with a written summary and no obligation.

Should I read the financing terms before signing?

Yes. Read every term, including fees, the payment schedule and rules for paying early. If anything is unclear, ask for it in writing and take time to compare before agreeing to a plan.

Do I have to use Dalton's financing?

No. You can compare any plan you find. Whatever you choose, ask the same questions about credit, approval time, early payoff and written terms so the options are easy to compare.

What if my roof is leaking right now?

Call right away. Dalton offers 24/7 storm and emergency response, and a temporary fix may protect your home while you sort out a plan. Tell us about the leak when you call.