Hiring the Right Roofing Contractor

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The Importance of Hiring the Right Roofing Contractor

Your home is more than just a place to live.  It is your sanctuary, an investment in yours and your family’s future, as well as the single most important purchase you will ever make.  As a homeowner, you alone are responsible for repairs, a new roof, upgrades, and remodels -just to name a few.  Hiring the right roofing contractor can be intimidating because it’s hard to know whom to trust. Therefore it is imperative that that you find someone who is dedicated to their work, professional, and most of all, honest. 

You’re Hiring For A Service Not A Product

It’s important to note that you are hiring someone for a service, not a product.  That’s why it is essential to ask the right questions when considering whom to hire for one of the most important services you will ever pay for.  When considering the right roofing company for the job, treat it as an interview as opposed to a consultation.  As a consumer, it’s important to know what to ask, and the right roofing contractor is always be more than happy to answer any and all concerns you may have.

Do Your Research

First, do your research on the roofing contractor that you are considering hiring.  Start by checking several online reviews, such as Houzz, for example.  It’s the best way to see their credentials as well as images of their roofing work. Once you see a potential roofing contractor that you are thinking of hiring, check to see if they have a website for references and testimonials from previous clients.

Upon contacting your perspective candidate take the time to get to know them and learn all you can about their services because you want to know the person who is responsible for your project.  A trustworthy contractor will always take the time to thoroughly explain what the job requires, what should be done and why, etc.  For example, if you need a new roof, inquire as to whether they will remove the old one fist. Also be sure to ask about their experiences with previous work they’ve done that are similar to your project. 

Get It In Writing

To avoid confusion, request information up front about when expected payment is to be made. Please make sure they offer written proposals or estimates before the project is going. This is best since it is always helpful to get everything in writing. This is a MUST when considering hiring a roofing contractor.

Please Do Not Do The Following:

  • Only Get One Estimate
  • Give Money Up Front
  • Have The Job Done While You Are Out Of Town
  • Let Them Start In Inclement Weather
  • Not Show Shingle Samples
  • Let Someone Else Choose A Roofing Shingle color

Please Do The Following:

  • Get several estimates (bids)
  • Ask how long they have been in business
  • Ask for references and call them
  • Get proof that they have insurance
  • Make sure that they show you roofing shingle colors & samples

A Good Roofing Contractor Should Have Insurance

Another important consideration is if they have liability insurance in case damage happens during the process.  If they don’t it’s not worth the risk since the last thing anyone would want to do is spend more time and money should such an incident occur.  This proves they have enough working capital and all reliable roofing contractors should have this in case they need to purchase additional supplies for the job.

A Lien Waiver Reassurance If Needed

If you are needing a bit more assurance you can ask for a lien waiver. It is also vital to know that they will  provide a lien waiver once the job is completed if you are requesting this of them.  You are entitled to a legal document proving that that you have paid them in full, and that they waive the right to place a mechanic’s lien on your property.

Work Procedure

Finally, inquire them about what a typical workday is like so you can be aware of what time to expect their arrival and departure for each day.  Find out how they protect your property, both inside and out throughout the duration of the project as well as if they clean up afterwards.

Helpful Hiring Roofing Contractor Links:

Angie’s List – Questions Ask Roofing Contractors 

BBB – Tips Hiring Roofing Contractors 

Time – Hire Roofer Questions

HomeAdvisor – Choose Roofing Contractor 

Today’s Homeowner – How To Hire Roofer

Final Thoughts On Hiring A Roofing Contractor

This may all seem like a lot to ask, but communication is key for choosing the right people for the job.  After all, this is your home and clear communication and realistic expectations with a mutual respect and understanding yields optimum results. Hiring a stranger to work on your home can appear to be an intimidating and confusing task, but it doesn’t have to be if you ask the right questions and get clear answers that you can understand.  After all, you are trusting the roofing contractor that you are considering hiring with your most valuable investment. Thank you from, Texas EZ Pay Roofing!

Home Improvement Financing

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Home Improvement Financing Options for Texas Homeowners.

In the world of home improvement financing there are many choices. You have decided to give your home a facelift such as a new roof but you really can’t afford to pay all of it up front. Financing your home improvement will allow you to have a beautiful home now and pay for it over time. Well there are several different options for you when it comes to financing your home improvement. Choosing the right type of financing can be just as important as the remodeling project itself. Most of these loans are based off of your credit and debt to income ratio.

Make sure to consider all of your options before making a decision on your financing. Ask yourself a few questions before you get started. How much do you think your project will cost? What is going to be your monthly budget to pay this loan back? How long do you want to finance for? Keep in mind that a lot of options are out there even if you have little or no home equity.

Texas EZ Pay Financing Much Better Than A Home Equity

You could alway take out a secured loan like a home equity loan, but then you run the risk of losing your home if for some reason you can not pay it back. That is why the lender will place a lien on your home. If you don’t have much equity in the home and you don’t want to risk losing your home if something happened then you can always choose a credit card or a small loan. A personal loan is not secured by your home but the interest rate may be higher depending on your credit. They do however come with secured interest rates to make it easier to put a monthly payment into your budget. Also the payback period is much shorter than a secured loan.

Keep in mind that you will not be able to claim the interest on your income taxes at the end of each year. The best place to get a personal loan is from your local credit union. You can also find some help from the government to pay for your home improvement needs. The Federal Housing Administration offers two different types of loans. They offer title I loans and energy efficient loans. You can alway seek out an online lender for your home improvement financing. They will also look at your credit, but they take into consideration other factors such as education, income, and profession. Make sure you shop around for the lowest interest rate. You can do this without affecting your credit. The best method for financing your home improvement loan will depend on your personal financial situation and how much equity you have in your home.

If your credit is excellent then you can alway apply for a no interest credit card. Be sure to pay it off in the first 12 to 18 months to avoid being charged interest. If you have not so good credit then you would probably be better off with a small secured loan that has a low interest rate. Home equity loans are the most popular forms of financing your home improvement projects.

Here Are Some Home Improvement Financing Links:

LightStream – Home Improvement Loans
Wells Fargo – Home Improvement
NerdWallet – Personal Loans

Well there you have it, the good, the bad and the not so good. All of the facts when it comes to borrowing money. We hope that you have found this home improvement financing article helpful from all of us at, Texas EZ Pay Roofing!