Can I finance just a repair, or only a full replacement?

<p>Both. Financing isn't limited to full replacements. If a <a href="https://www.highimpactco.com/residential-roofing/roof-repair" rel="noopener">roof repair</a> is what you need, you can spread that cost into monthly payments too.</p>

How does roof financing work with my insurance payout?

<p>You put your insurance payout toward the project, then finance the remaining gap in monthly payments. We also work to recover missed items through supplemental claims to shrink that gap. See our <a href="/blog/roof-repair-cost/">roof repair cost guide</a> and <a href="https://www.highimpactco.com/residential-roofing/insurance-claims" rel="noopener">insurance claims page</a> for the full picture.</p>

Roof Financing in Denver | Monthly Payment Plans

Who this is for

Roof Repair and Replacement Financing for Denver Homeowners

A new roof shouldn't have to wait until you've saved up for it, and it shouldn't drain the savings you've worked hard to build. Roof financing lets you spread the cost into manageable monthly payments and get the work done now, before a small problem turns into a major one.

We see the same situations again and again across Denver and the Front Range. You're not alone if one of these sounds like you.

Storm damage with an insurance gap. Your payout came in lower than the job costs, and you're holding a check that won't cover everything.

An aging roof at the end of its life. It's time, and you'd rather plan the payment than wait for a leak to force the decision.

You'd simply rather keep your savings intact. A low monthly payment beats a big lump sum out of pocket.

Simple and transparent

How Roof Financing Works Through Wisetack

We've made paying for your roof as straightforward as the inspection itself. There's no lengthy paperwork and no waiting days for an answer. Here's how it goes.

How Wisetack financing actually works (plain English): Wisetack is a third-party lender. They pay High Impact directly and upfront for your project, and you pay Wisetack back in fixed monthly installments instead of covering the full cost at once. No jargon, no surprises.

Free inspection

We inspect your roof and document exactly what it needs. No guesswork, no pressure.

Clear estimate

You get a transparent estimate for the repair or replacement, with the scope spelled out.

See your options

We send a financing link by text or email. You view your monthly payment options in under a minute.

Pick a plan, get scheduled

Choose the monthly payment that fits, and we schedule your project. You know the exact amount before you commit.

The real question

What will my roof cost per month?

Here's the part most homeowners want to see first. A full replacement broken into monthly payments often feels more manageable than paying for even a repair all at once. Instead of a large sum out of pocket, you're looking at a predictable monthly number.

Pay cash today

Repair: $5,000 out of pocket, all at once

Finance it monthly

Replacement: a predictable monthly payment instead of one large check

Honest numbers

Financing Rates and Terms

We believe you should see the real picture, not a too-good-to-be-true headline. Your rate depends on your credit, and the strongest profiles see the best terms.

Financing is available across a range of credit profiles. We won't promise that everyone qualifies, and we won't imply there's no credit check involved.

We'll never tell you everyone gets 0%. We will help you see exactly what you qualify for, with no surprises.

$500 to $25,000

Finance anything from a small repair to a full replacement, with flexible monthly terms.

0% to 35.9% APR

Your rate is based on your credit, so the strongest profiles see the lowest rates.

0% for 3 months

Qualified buyers start with 0% APR for the first 3 months, subject to credit approval.

No hidden costs

No prepayment penalties, no origination fees, and no compounding interest.

Full projects

Roof Replacement Financing for Full Projects

Roof replacement financing through High Impact covers the full cost of a new roof, with the same fast approval process as any other project size. A full replacement goes through the same Wisetack steps. The loan amount is simply larger, since it covers the entire roof.

A full roof replacement typically falls toward the higher end of the $500 to $25,000 financing range, depending on the size and material of your roof. And if a repair is all you need, that's covered too.

Smaller projects

Roof Repair Financing for Smaller Projects

Roof repair financing through High Impact covers smaller jobs too, not just full replacements, so a leak or a storm-damaged section doesn't have to come out of pocket all at once. Financing starts at $500, which covers most single-area repairs.

Approval works the same way no matter the project size. The same fast, transparent process applies whether you're fixing one slope or replacing the whole roof.

Learn more about our roof repair services in Denver.

A Smarter Way to Use Your Check

The Smart-Money Move: Use Your Insurance Check Wisely

If your roof damage came from a storm, your insurance company likely sent an actual cash value check first, often somewhere in the range of $6,000 to $10,000. Many homeowners feel they have to spend that whole check on a partial fix. There's often a better play.

Consider putting that cash toward high-interest debt, like a credit card, and financing the roof at a low monthly rate instead. Paying down a balance charging you 20%+ while financing the roof at 0% or low single digits can leave you in a stronger position than spending the check on a repair that doesn't fully solve the problem.

This is a consideration to discuss with your own financial advisor, not financial advice. Everyone's situation is different.

Storm damage?

Hail or wind took a toll and the roof needs real work, not just a patch.

Insurance fell short?

Your payout didn't cover the full job and you need to bridge the gap.

Roof near the end?

It's aging out and you'd rather plan the cost than wait for a leak.

Want savings intact?

You'd rather keep your cash reserves and pay a predictable monthly amount.

Less to finance

Already have an insurance claim? We help close the gap

Before you finance a dollar, we work to lower the bill. We regularly submit supplemental claims to recover line items insurers commonly miss, things like ice and water shield, drip edge, and required code upgrades. Recovering those items means a smaller gap for you to cover.

Learn how we handle roof insurance claims and what to do after hail or storm damage in Denver.

Local proof

Why Denver Homeowners Finance with High Impact

Not every contractor falls into the small group of roofing companies with finance options built in, and fewer still pair that with a fast pre-qualification and a 0% intro period. Most roofers expect full payment at the end of the job. We let you spread that same cost over months instead of writing one large check.

We've installed 1,000+ roofs across Denver and the Front Range since 2009, and we hold an A+ BBB rating. We're not a storm-chasing crew. We're the neighbors who'll still be here next season.

Google Reviews

10+ 5-star reviews

Terry M.

Garrett Kurt and his team did a beautiful job on my roof. He helped me through the insurance claim process and his roofing crew were professional, answered all my questions throughout the project and cleaned up my property every day. I am absolutely delighted that I chose High Impact for my roofing job and would highly recommend their services!

David Fisher

My family engaged Garrett Kurtt and his team at High Impact last summer to assess the hail storm damage to our wood shake roof and then work with the insurance company. They worked through the estimating process with the insurance company with great precision and responsiveness, successfully negotiated with the insurance company on the full claim, and two months later we had a beautiful, new tile roof!

Garrett and his team actively communicated with us about work that was being performed, and when it was being performed. The new roof was installed beautifully, and the workers were friendly and polite to my family throughout the construction phase. And even though it was a large job that took nearly two weeks, at the conclusion of the project the entire area around the house was so pristine that you would have never known that we had had our entire roof removed and replaced just days before.

I recommend High Impact Construction without reservation. In an industry full of often sketchy companies looking for a quick buck, they set themselves apart by their professionalism, responsiveness, and quality of work.

Greg Johnson

I was privileged to use High Impact after a hail storm messed up my roof. Their team was outstanding. The process of them working with my insurance company was easy and effective, and the final result was better than I could have anticipated. I would not only use them again, but I highly recommend them for any roofing need.

Margaret Shutze

We used High Impact to reroof our barn and a couple of out buildings on our property. We couldn't be more pleased!!! Such professional service and our project was completed ahead of schedule. They even recommend new innovative materials that would give us the aesthetic we wanted and saved us a bunch of money.

Highly highly recommend!

Jesse Bulger

Extremely knowledgeable staff helped guide me through this first-time experience! I spoke with 3 different entities before going with High Impact—and they were nothing shy of perfect come time to execute. I am at ease knowing the work was done right the first time, and on time! With all of the similar service providers out there—I would recommend these guys time and time again. Thanks so much!

blah7952

Responsive, great customer service. Awesome company to work with. I highly recommend! Worked with Brianna, she came out and looked at our roof and saved us some money and headaches.

Judy Bell

Gutters turned out perfect, and the color matched the existing trim. Price was much less than expected, and Garrett was great to work with. I highly recommend Garrett and his team.

Steve Estrrada

Bri came out to help out with some roof leaks. she was super helpful and professional. i would definitely recommend High impact to anyone who needs some help or has questions regarding their roof.

Bryan Wise

Bri was incredible. Everything went perfectly according to all expectations. Would highly recommend to everyone.

Shawn L

Great service and work. Would use again for sure. Had some roof work completed and very satisfied.

Genevieve Bulger

High impact provided exceptional service to us. I would definitely use them again!

Frank Evans

I had high impact roofing do my roof after a hail storm in May. They came and helped me through the process of dealing with the insurance company. It ended up being an easy process with them. Derrick was awesome and communicated with me during the process. Very professional company to deal with. They did my roof, exterior siding and screen work. They have great workers and very knowledgeable and professional services. I would work with this company again.

Doreen

Derrick Stuckey happened to stop by at a time I was looking for someone to replace my gutters on our Aurora home. Turns out after inspection I need a new roof also. He was very helpful with all the steps in the process. The manual workers were all respectable as they accomplished the work on roof and gutters. The hard working team of roofers and gutters men worked together as they accomplished the tasks needed . They policed and cleaned up before they left. Very hard working group of men.

Brian Sena

Filing a claim after a Hail Storm is stressful enough. Having a team like High Impact was a dream. They brought so much knowledge and expertise to the table, assisting me with my Insurance company. They followed through on their promises and did a wonderful job. Derrick and Richard are an unstoppable team.

Brandon Box

Honestly, Derrick made getting a new roof way easier than I expected. He dealt with the insurance, explained everything clearly, and made sure the job was done right. He has now done three projects for our family and we couldn’t be happier. If you need a roof, he’s the guy to call.

Kristen Leighton

Very professional team of roofing and exterior experts. You’re in good hands when you work with High Impact! Give them a call for any roofing, exterior, or window needs.

CdD

Courtney den Daas

I had a great experience working with Chad at High Impact. He was professional, knowledgeable, and made the entire process stress-free. He took the time to answer all my questions, kept me updated every step of the way, and made sure everything was done right. It’s not often you come across someone who is this reliable and easy to work with. I’d highly recommend Chad and High Impact Roofing & Exteriors to anyone in need of roofing services!

Noel Hernandez

I had the privilege of working with Chad in the past. His knowledge, skills, and effort made the claims process super simple and stress free for my wife and I. Anyone that has the opportunity to work with him in this company will feel the same way.

Steve Reale

Great experience from start to finish. Extremely knowledgeable with outstanding customer service. Answered all my question and worked with me on scheduling to ensure an easily and convenient install. I would definitely recommend them if you’re in need. Thanks for a great job👍

Frank Dejoy

Rylan was very informative and courteous. The experience went smoothly.

Maria Barahona

We needed a roof certification as part of selling our home, and they made the whole process smooth and stress-free. They explained everything clearly, handled the small repairs quickly, and were professional from start to finish. Really appreciated how easy they were to work with.

There are a few common routes: paying from savings, using an insurance payout, contractor financing through a partner like Wisetack, or a home equity loan. Savings and insurance are great when they cover the job. When they don't, monthly contractor financing is usually the fastest path. It doesn't require home equity, and you can see your options in minutes rather than weeks.

Wisetack serves a range of credit profiles, so a lower score doesn't automatically rule you out. Approval and your rate depend on factors like your credit history and the amount financed. We'll be straight with you: we can't promise approval for everyone, but checking your options costs nothing and typically won't affect your score.

We won't advertise something that isn't real. Financing through Wisetack does involve a credit check, though viewing your options is typically a soft check that doesn't impact your score. Monthly payments depend on your project size and terms, so a flat "$99 a month" promise wouldn't be honest for every roof.

We don't lend in-house. Instead, we partner with Wisetack, a third-party financing platform built for home-service projects. The benefit to you is real: it's fast, the terms are transparent, you see your monthly payment before committing, and it doesn't require tapping your home equity.

PACE (and C-PACE) is a different model, where the cost is repaid through an assessment on your property taxes. Residential PACE is limited in Colorado and isn't the same as contractor financing. For most Denver homeowners, the simpler route is monthly financing through Wisetack, which we can set up during your free inspection.

Start by lowering the bill, then finance the rest. If storm damage is involved, we pursue your insurance payout and file supplemental claims to recover commonly missed items, which reduces what's left to cover. Then you finance the remaining gap with a monthly payment that fits your budget. Our Denver roof repair cost guide can help you plan, and a free inspection is the first step.

Fast. The financing offer is sent by text or link, and most homeowners see their exact monthly payment in minutes. There's no lengthy application to fill out, and checking your rate is a pre-qualification, not a commitment.

It depends on the amount financed, the term length, and your APR. Qualified buyers start with 0% APR for the first 3 months (subject to credit approval), and APRs range from 0% to 35.9% after that based on your credit. As an illustration, a $12,000 balance over 24 months at a sample 14.9% APR is about $580/month. The fastest way to get your real number is to check your rate or request a free estimate.

Both. Financing isn't limited to full replacements. If a roof repair is what you need, you can spread that cost into monthly payments too.

Viewing your options through Wisetack is typically a soft credit check, which doesn't affect your credit score. A score impact, if any, would only come later in the process, and you'd know before that point.

You put your insurance payout toward the project, then finance the remaining gap in monthly payments. We also work to recover missed items through supplemental claims to shrink that gap. See our roof repair cost guide and insurance claims page for the full picture.

It depends on how you're paying. When you finance through Wisetack, the loan covers your project, so there's typically no separate large deposit to come up with. For jobs paid out of pocket, we usually request a 50% deposit. And if you're using an insurance claim, we generally work from the insurance checks as they're released.

No obligation, no pressure

See Your Payment Options

Ready to see what your roof could cost per month? Check your rate in under a minute with no impact to your credit, or book a free inspection and we'll walk you through your monthly options in person. Either way, no guesswork and no pressure.

Licensed. Local. Ready to help, since 2009.

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Denver & Front Range · Financing through Wisetack

Roof Repair and Replacement Financing for Denver Homeowners