Top Two Options for a New Roof

When a property needs a new roof, generally there are two options. They can choose to tear off the old roof and have it completely replaced, or they can have a roof overlay installed, also known as “re-roofing.” Continue reading to learn the difference between the two, including whether or not re-roofing is an accepted roof installation practice.

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Indianapolis Rubber Roofing and Siding Contractors 317-454-3612

Choosing Between Roof Replacement and a Roof Overlay

There are many factors that come into play when making the decision to tear off or overlay, which is why it is so vital to hire a dependable Indianapolis roofing company for professionalism and workmanship you can trust. As for installing a new roof, most properties have the option of either ripping off their old roofs and replacing them entirely, or re-roofing right on top of the existing roof.

Tear Offs

Many home and property owners opt to have their entire roof stripped down to the wooden beams. This is known as a “tear off” in the roofing industry. Many roofers firmly believe that the only true method of locating and repairing vulnerable areas of a roof is to strip it down to the plywood sheathing and start over. These are common areas where hidden water damage is discovered. These same roofers caution that there is a possibility that overlays add too much additional weight to a rooftop, which can increase even more with snow fall.


Re-roofing refers to roof overlays, which entail installing new roofing directly over the existing roofing. There are many debates on whether or not this is a good practice, but according to both the National Roofing Contractors Association and the Asphalt Roofing Manufacturer’s Association, re-roofing overlays are a approve as a general practice when permitted by local building codes. Furthermore, it is suggested that property owners can save up to 25% in installation and materials costs by opting for a roof overlay.

What General Contractors Recommend

Roofers are more on the side of tear offs than overlays, and for many good reasons. As mentioned, several roofing contractors believe that an overlay is just a waste of time and money since underlying damages cannot be seen or repaired. At the same time, roofers that are willing to provide overlays even warn that the job is more difficult and may take longer, especially for roofs that need flashing installed around chimneys and other potential entry points for water.

Are you interested in learning about the benefits of rubber roofing? Contact Restoration By L & B, LLC at 317-454-3612 for affordable rubber roof general contractor service in Indianapolis, Indiana. We also provide residential and commercial siding work.

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Indianapolis Indiana General Contractors
Indianapolis Indiana General Contractors 317-454-3612

4 Ways to Finance Your Roof Repair or Replacement

When it comes to major roofing repairs or replacements, you might not know much, but you do know one thing; it’s going to cost a lot of money. However, that does not mean that a new roof is not affordable. In fact, there are several financing options for paying for roof work in Indiana, so you are bound to find a funding method that works for you.

Continue reading to learn some of the best finance options for roof repair and replacement in Indianapolis, Indiana.

Indianapolis Roofing Contractors 317-454-3612
Indianapolis Roofing Contractors 317-454-3612

You Can Get Financed for a New or Repaired Roof

The average roof replacement costs between $5,000 and $10,000. Major roof repair comes in just below those marks. So, what does a homeowner do when they need costly roof work done? They can turn to one of these popular funding methods:

?☑ Credit

Credit payment is always an option for anyone who has good credit. If your income is sufficient and you have a good credit score, you can take the straightforward approach and put the purchase on credit. Making monthly or periodic credit payments for roof work can be convenient for those who meet these standards since you don’t have to work with a third-party lender or wait for loans to come through. Just be aware of APR’s, high-interest rates, and other related credit terms and conditions.

?☑ Personal Loan

Taking out a personal loan from your bank of choice is another common and workable solution for funding roof work. In addition to banks, homeowners also have the option of working with credit unions or online lenders. Personal loans do not require any equity, so they are well-suited for someone who has good credit, but wants to improve their credit, and has a steady income flow. Just be sure to pay attention to repayment schedule and interest rates terms.

?☑ FHA Loan

An FHA loan, or Federal Housing Administration loan, is another common fixed rate loan option for roof repair and replacement, but it is not suited for everyone. The federal government offers financing schemes for real estate owners looking to make certain renovations, but you must meet certain requirements to qualify for the program. To see if such a loan is a good fit for your home remodeling needs, start by looking for FHA-approved lenders, and request a consultation.

?☑ Home Equity Loan

You may have the option of securing a home equity loan or a home equity line of credit (HELOC) from your bank in order to fund a roof repair project. A home equity loan is much like a second mortgage in that you use your home as collateral to borrow more money, and then continue by making payments to pay it all off over time. A home equity line of credit (HELOC) is like a credit card that your bank gives you so that you can spread the cost of roof repair out over a longer period of time.

Indianapolis Roof Repair and Installation Contractors

Call Restoration By L & B, LLC at 317-454-3612 for roof repair and installation services in Indianapolis, Indiana. Our general contractors service both residential and commercial clients. We use a comprehensive inspection and measurement process that ensures we are well-prepared to meet the exact needs of your roofing project. From start to finish, we stay in constant communication with our clients to confirm they are well-informed of our time-lines and agendas. Licensed general contractor, Lee Elliot, is happy to take your call and answer your questions about roof repair, rubber roofing, and more. Call 317-454-3612 for information about Indianapolis roofing repair or installation, today.