Roof Financing Options

Roof financing from Hutch Unlimited helps Central Iowa homeowners get the roof they need now and pay over time. We work with Acorn Finance to offer affordable monthly payment plans for roof replacement and repairs. The application is straightforward, and you can compare offers from multiple lenders to find a plan that fits your budget.

How Roof Financing Through Acorn Finance Works

Financing your roof through Acorn Finance is a simple process. Here is what to expect:

1. Get your free inspection and written estimate. Contact Hutch Unlimited for a free roof inspection. We will assess your roof, explain what it needs, and provide a clear written estimate with no obligation.
2. Complete the Acorn Finance application. When you are ready to move forward, apply through Acorn Finance. The application asks for basic personal and financial information.
3. Compare offers from multiple lenders. Acorn Finance works with a network of lenders. Based on your application, you may receive more than one financing offer to compare.
4. Choose the plan that fits your budget. Review the terms of each offer and select the one that works best for your household.
5. Schedule your roofing project. Once your financing is arranged, we will schedule your roof replacement or repair at a time that works for you.

Questions at any step? Call us at (515) 313-7355 and we will walk you through it.

Who Is Eligible for Roof Financing?

Most homeowners can apply for roof financing through Acorn Finance. As with any financing, approval and terms depend on the individual lender's criteria. The application itself is free, and you are under no obligation to accept an offer. If you are unsure whether financing is right for you, start with our free inspection — you will know exactly what your roof needs and what it costs before deciding how to pay for it.

Roof Financing vs. Filing an Insurance Claim

Not sure whether to finance or file a claim? Here is some general guidance:

• Consider an insurance claim when roof damage was caused by a sudden, covered event — such as hail, wind, or a fallen tree — and the repair cost is well above your deductible. Document the damage and contact your insurer promptly, since policies often have reporting deadlines.
• Consider roof financing when your roof needs replacement due to age or wear, when you want to upgrade materials, or when you prefer to spread the cost into monthly payments rather than paying all at once.
• You can combine both. For example, if insurance covers part of the cost, financing can cover your deductible or the difference for upgraded materials.

Our free photo-documented inspections and written reports can support either path.

Roof Financing FAQs

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

Both repairs and full replacements can be financed. The right option depends on your roof's condition, which we assess during your free inspection, and on the terms offered by the lender.

How long does the application take?

The Acorn Finance application is designed to be quick. Timelines for receiving offers can vary by lender. We recommend applying once you have your written estimate so you know the amount you need.

Will applying affect my credit?

The application process is managed by Acorn Finance and its lending partners. If you have questions about how your information is used, review the details during the application or contact the lender directly before applying.

What if insurance does not cover the full cost?

Financing can cover the gap — for example, your deductible, or the difference if you choose upgraded materials. Many homeowners use a combination of an insurance claim and financing.