A: Over 75 years! Founded by current owners, great uncle, Pawcatuck Roofing is family-owned and operated just as it was when started in 1946.

A: Yes, yes, and yes! Pawcatuck Roofing meets and exceeds all the legal requirements placed upon us by the state of CT, RI, and MA. As early as the initial meeting we can provide any requested documents. We operate in full transparency. If you have any questions or concerns, we’re here for you.

A: A roof replacement, just like all other home improvements can be costly, and we want to help.

Some financing options include:

Paying with Insurance – In some cases, paying for a roof repair or replacement can be done directly through your insurance company, but this is only a viable option when your roof was damaged for a reason other than wear and tear over time. When you are eligible to pay for roofing repairs through your insurance company, get in touch with your homeowner’s insurance provider to find out how much they will cover and the process for receiving payment.

Paying with a Home Equity Loan or HELOC – If a roofing repair is not covered by your homeowner’s insurance, you may have roof financing options through a home equity loan or home equity line of credit.

A home equity financing option allows you to borrow against available equity built up in your home over time; this is the difference between the market value of your home and the balance you still owe on your mortgage. If your loan-to-value ratio is 85% or less, a home equity loan or line of credit may be a roof financing option for you.

Personal Loans – You may also have an opportunity to get a personal loan with a competitive rate for use as a home improvement loan to finance your roof repair or replacement.

Credit Cards – Homeowners with strong credit may also qualify for a 0% APR credit card, either as a balance transfer offer or as a new card member. Credit cards may provide a higher spending limit than some personal loans, and with no interest, you can save a significant amount over the financing term. 

HUD Home Improvement and Repair Loan – You may have the option to pay for roofing repairs with an FHA Title I home and property improvement loan. This type of financing is made available through certain lenders, insured by the Department of Housing and Urban Development.

Pawcatuck Roofing Payment Options – While our financing is not done in-house, we realize that homeowners can’t always pay cash for their new roof. With our payment options, we’re able to offer help to ease the burden, subject to approved credit. Our expert sales team will thoroughly discuss each option with you and find the best solution suited to your needs.