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How Local Roofing Contractors Make New Roofs Affordable

How Local Roofing Contractors in Michigan Make New Roofs Affordable with Payment Plans

May 24, 2025 | Commercial, Roof Replacement

Getting a new roof is one of the most essential investments a Michigan homeowner can make—but it’s also one of the most expensive. The final bill can quickly add up between materials, labor, and potential upgrades. The good news? Many local roofing contractors across Michigan, including Herbert Roofing, now offer roofing payment plans to make this essential project much more manageable.

Whether you’re facing an urgent roof replacement, want to improve your home’s energy efficiency, or simply need a better option than paying out of pocket, this guide explains how financing works, what options are available, and how to maximize value by choosing a local expert.

Why Financing Matters When It Comes to Roofing

Let’s face it: most homeowners don’t budget for a new roof until they have to. Storm damage, aging materials, or water leaks often force quick decisions with a hefty price tag.

That’s why working with roofing companies that finance is such a game-changer. Rather than putting off the project or dipping into emergency savings, financing allows you to:

  • Break the total cost into affordable monthly payments
  • Address roofing issues before they worsen
  • Protect your home’s value and structural integrity
  • Take advantage of high-performance materials and warranties
  • Start your roofing project now, not later

Herbert Roofing proudly offers flexible roofing payment plans designed to fit your budget, giving you financial freedom and peace of mind.

The Local Advantage: Why Michigan Homeowners Choose Herbert Roofing

Choosing local roofing contractors over out-of-town or corporate roofing companies has real advantages, especially regarding financing and long-term value. Here’s why working with a company like Herbert Roofing matters:

  1. Custom Financing Options

Unlike national chains with one-size-fits-all plans, Herbert Roofing can help tailor financing solutions that work with your specific budget and timeline. Whether you’re looking for short-term, no-interest plans or long-term low monthly payments, we work with trusted lenders to make it possible.

  1. Familiarity with Michigan’s Climate

From lake-effect snow to wind-driven rain, Michigan homes face extreme weather. Local contractors know how to design roofing systems that perform and last through it all. We use this insight to recommend materials and warranties that suit the region.

  1. Reputation Built on Trust

As a locally owned company, Herbert Roofing is invested in the communities we serve. We stand behind our work and customers—because we’re your neighbors, not just your contractors.

What Affects the Cost of a Roof Replacement?

Before diving into your roofing payment plan, it’s helpful to understand what goes into the cost of a new roof:

  • Size and complexity of your roof
  • Choice of materials (e.g., asphalt shingles, metal, designer shingles)
  • Tear-off and disposal of existing roofing
  • Underlayment, flashing, and structural repairs, if needed
  • Labor and workmanship warranties
  • Manufacturer warranty level (GAF or CertainTeed)

At Herbert Roofing, we explain each component in detail so you can make informed decisions and see where financing can be most helpful.

Flexible Roofing Payment Plans for Every Homeowner

We understand that no two homeowners have the same budget. That’s why we offer a variety of roofing payment plans to make the process more accessible:

Low or No-Interest Plans

Ideal for homeowners who plan to pay off the project quickly. These short-term loans offer:

  • 0% APR for a fixed period
  • Equal monthly payments
  • No prepayment penalties

Long-Term Financing

For those needing more time to pay off their roof replacement, longer-term loans provide:

  • Fixed interest rates
  • Predictable monthly payments
  • Terms ranging from several months to several years

Deferred Payment Options

Want to start your roofing project now and pay later? Deferred plans give you the flexibility to:

  • Delay payments for several months
  • Lock in a price and timeline now
  • Begin roof installation before peak demand hits

During your consultation, we’ll help you evaluate the best plan for your situation and goals.

Why Licensing and Insurance Matter When Choosing a Roofing Company

Financing isn’t the only factor you should consider. When choosing a local roofing contractor, it’s crucial to ensure the company is appropriately licensed and insured. Here’s why:

  • Legal Protection: Licensed contractors meet state and local requirements, ensuring compliance with building codes.
  • Financial Safety: Insurance covers both workers and your property. Without it, you could be liable for on-site accidents.
  • Workmanship Confidence: Licensed contractors are more likely to be trained, certified, and held accountable for the quality of their work.
  • Eligibility for Manufacturer Warranties: Companies like Herbert Roofing can offer CertainTeed warranty and GAF shingle warranties, which often require certified and insured installation to be valid.

At Herbert Roofing, we don’t just meet the requirements—we exceed them. Our commitment to safety, professionalism, and accountability ensures your project is handled correctly from start to finish.

Premium Products with Industry-Leading Warranties

At Herbert Roofing, we only install products we believe in. That’s why we offer roofing systems from GAF and CertainTeed, two of the industry’s most trusted names. Their warranties are a major benefit of working with a certified local contractor.

GAF Shingle Warranties

As a GAF-certified contractor, we offer access to premium protection such as:

  • System Plus Warranty: Covers material defects for up to 50 years
  • Golden Pledge Warranty: Includes both material and labor coverage

CertainTeed Warranty Options

CertainTeed’s SureStart™ protection tiers provide long-term coverage with:

  • Up to 5-star protection on premium shingle lines
  • 50-year transferable warranties
  • Coverage of both materials and installation labor

These warranty programs are available when you choose Herbert Roofing and can be rolled into your roofing payment plan if desired.

Transparent Process, Trusted Results

One of the homeowners’ most significant concerns is whether the project will stay on budget and schedule. At Herbert Roofing, we prioritize clear communication from start to finish. Here’s what you can expect:

The 8-step process for roof financing

  • On-Site Inspection

We assess your current roof condition and discuss goals and budget.

  • Detailed Quote

You receive a transparent breakdown of all costs with no hidden fees.

  • Financing Review

We walk you through roofing payment plan options and help you apply.

  • Professional Installation

Our team completes the job precisely and carefully, ensuring manufacturer guidelines are followed for complete warranty protection.

  • Final Walkthrough and Warranty Registration

We confirm everything meets expectations and provide documentation of your warranty coverage.

Affordable Roofing Solutions with Local Contractors You Can Trust

When you need a new roof, affordability shouldn’t mean sacrificing quality. By choosing local roofing contractors like Herbert Roofing, you’ll gain access to customized roofing payment plans, trusted materials, and long-term warranty coverage—all backed by a team that lives and works in Michigan.

Don’t wait for a minor leak to become a major problem. Explore how roofing companies that finance can help you protect your home and your budget.

Ready to Talk About Financing Your Roof?

Contact Herbert Roofing today to schedule a consultation and learn more about how our team can help you get a high-quality roof replacement with payment options that fit your life.

Roof Deck

The structural platform (often plywood or OSB) on which roofing materials are installed.

Measurement:

Accurate measurements are critical. For asphalt shingle roofs, you divide the total surface area by 100 to get “roofing squares” (one square = 100 sq ft) when calculating materials and labor. GAF Many roofing contractors now use tools such as satellite imagery and specialized apps to measure quickly. GAF

Pro Tip:

Ask your roofer if they provide a digital measurement report (e.g., via GAF QuickMeasure) so you know the size, waste factor, pitch, and materials needed – this reduces surprises on installation day.

Choosing Materials and Contractor

Question: Which shingles and which local roofing company should I pick?

Materials:

  • Asphalt shingles are the dominant choice for residential roofing across the U.S. and Michigan, because they cost less and are easier to install. GAF
  • Brand matters. For instance, GAF is North America’s largest roofing manufacturer and certifies certain contractors to give stronger warranties. GAF
  • If you’re selecting between brands like GAF or CertainTeed, check their warranty options and whether the contractor is “Factory-Certified”.

Contractor:

  • Choose a local roofing company experienced with Michigan weather (snow loads, ice dams, proper ventilation for cold climates).
  • Ensure they are licensed, insured, and can provide roofing system warranties, not just material warranties.
  • Ask for references, check local reviews, and verify they are comfortable working with permits in areas such as Saginaw, Midland, Bay City, Traverse City, and Harbor Springs.

Shingle Tier

Typical Lifespan*

 Pros Cons

Basic 3-tab asphalt

~20–25 years

Lower cost

Less durability, fewer style options

Architectural (dimensional) asphalt

~25–30 years or more

Better durability, looks better

Higher upfront cost

Premium asphalt / enhanced warranties

30+ years *if well maintained

Longest asphalt option

Highest cost of asphalt category

*Life spans vary heavily by climate, installation, and maintenance.

Pro vs. Con: Hiring a Certified Contractor

Pros

  • Certified teams can offer stronger warranties
  • Better trained in proper roof system installation
  • More likely to understand local Michigan code & climate issues

Cons

  • Generally, a higher upfront cost
  • Might require more lead time (busy season)

 

Roofing System Warranty

Warranty that covers not just the shingles but the full installed system (underlayment, ventilation, flashing) AND workmanship when done by a certified contractor.

Budgeting & Financing

Question: How much will this cost, and how can I afford it?

As of 2023, the average cost of replacing an asphalt shingle roof in the U.S. is about $14,959. GAF Keep in mind this average includes many regions and sizes; your cost in Michigan may vary due to local labor, permit costs, disposal of old materials, snow-load requirements, etc.

Factors that influence cost:

  • Size and pitch of your roof
  • Complexity (dormers, hips, valleys)
  • Materials chosen (basic vs premium)
  • Local building codes and permit fees
  • Removal of old roof vs overlay
  • Ventilation improvements, attic insulation
  • Warranty type and contractor certification

Financing Options

Many local roofing companies (including Herbert Roofing) offer roof financing (monthly payments) or help you apply for home-improvement loans. Also, replacing your roof now may save on future repair costs (which would be more costly if damage occurs before replacement).

Pro Tip:

Ask your roofer for a written estimate that clearly separates the material cost, labor cost, disposal, and permit costs. Also, ask for warranty details and have them explain the financing options.

Scheduling and Pre-Installation Preparation

Question: What should I expect before installation day?

Once you’ve selected your contractor and signed a contract, the following steps are:

  • Schedule the replacement; peak roofing season in Michigan is often late spring through early fall (avoid deep winter if possible).
  • Permits & inspections: Your contractor should handle the local permit process for your city (Saginaw, Midland, etc.).
  • Material delivery: Shingles, underlayment, and flashing materials will arrive before installation.
  • Prepare your property:
    • Remove vehicles from the driveway if roofers need access.
    • Clear valuables (sensitive electronics) from the attic in case of vibrations.
    • Board up or protect landscaping near the house (shingle nails can scatter).
  • Old roof removal plan: If your roof has two or more layers of shingles, local Michigan codes may require a full tear-off.
  • Weather contingency plan: Since Michigan weather can change rapidly, agree with your roofer on a backup date or plan in case of rain or snow.
    Underlayment

    The layer (often felt or synthetic membrane) installed between the roof deck and the shingles. It acts as a secondary water barrier, especially important if shingles are damaged or during heavy snow melt.

    Installation Day

    Question: What happens on the actual replacement day?

    Here’s a typical flow:

    1. Tear Off: Removal of existing shingles (and possibly underlayment) down to the roof deck.
    2. Deck inspection/repairs: Any damaged decking will be replaced.
    3. Install underlayment & ice-dam barrier: Critical in Michigan’s climate, where snow/ice melt can freeze at eaves.
    4. Flashing & ventilation work: Install or upgrade flashing around chimneys, vents, and valleys. Proper attic ventilation is key to shingle longevity.
    5. Shingle installation: Lay the chosen asphalt shingles (GAF, CertainTeed) per manufacturer’s specifications.
    6. Cleanup & disposal: Contractor should haul off old materials and leave the site tidy; nail sweep or magnet to clear stray nails.
    7. Final inspection & homeowner walkthrough: You’ll have the chance to review the roof and ask questions.
    Pro Tip:

    On installation day, keep an eye (from a safe vantage) on how thorough the tear-off is, whether flashing and underlayment are being upgraded as promised, and ensure the job crew is from your selected contractor.

    Post-Installation Inspection & Warranty Registration

    Question: What should I do after the roof is installed?

    • Walk the roof perimeter with your contractor (from ground level) for final review.
    • Request all warranty documentation (manufacturer and workmanship).
    • Register your warranty with the manufacturer (often the contractor does this on your behalf). Manufacturers like GAF highlight this as part of a proper system installation. GAF
    • Take photos of the new roof for insurance records.
    • Review maintenance instructions: cleaning gutters, trimming overhanging branches, and checking attic ventilation.
    Manufacturer Warranty vs. Workmanship Warranty
    • Manufacturer Warranty covers roofing materials (shingles, underlayment), subject to the terms.
    • Workmanship Warranty covers how the roof was installed (flashing, deck prep, ventilation). Make sure you receive both.

    Maintenance Plan & Longevity

    Question: How do I ensure my new roof lasts as long as possible?

    In Michigan’s climate, longevity is enhanced by:

    • Scheduling annual roof inspections (especially after winter or major storms).
    • Cleaning debris (leaves, branches) off roofs and in gutters.
    • Maintaining attic ventilation and insulation (to prevent ice dams and excessive heat).
    • Watching for moss or algae and addressing quickly — they can shorten shingle life.
    • According to This Old House, climate and maintenance are significant factors in lifespan variation. This Old House
    • Respect the warranty conditions (for example, some warranties require certified installation, restrict walking on shingles, or limit colors).
    • Consider adding features such as ridge vents or ice-dam barriers if they are not already installed.

    How Roof Replacement Works in Michigan’s Climate

    When you live in Michigan (snow, freeze/thaw cycles, high winds by the lakeshore), these climate-specific considerations matter:

    • Ice dams: Without proper underlayment and ventilation, melting snow refreezes at eaves and forces water under shingles. Use an ice-dam barrier.
    • Snow load & steep pitch: Roof pitch affects snow shedding; steep roofs may cost more but shed snow more reliably.
    • Wind/snow exposure: Particularly in Bay City, Traverse City, or Harbor Springs near the Great Lakes. Choose shingles rated for higher wind resistance.
    • Temperature swings: These cause expansion/contraction, which can reduce shingle life.
    • Regional code/permit differences: Roofing requirements may differ by county or municipality; your local roofing company should know.

    Undertaking a roof replacement is one of the most significant investments you’ll make for your home, especially in Michigan’s climate. By working with a trusted local roofing company like Herbert Roofing, choosing the right materials (such as GAF or CertainTeed asphalt shingles), and following a transparent process from inspection through maintenance, you’ll protect your home, enhance curb appeal, and improve resale value.

    If you’re in Saginaw, Midland, Bay City, Traverse City, Harbor Springs, or nearby Michigan areas and think it may be time for a roof replacement (or want a professional inspection), contact Herbert Roofing today. Let us help you plan a roof that’s built for Michigan and built to last.

    Frequently Asked Questions About Roof Replacement in Michigan

    1. How do I know if I need a full roof replacement or just repairs?

    If your roof only has a few missing or cracked shingles, a quick repair might do the trick. But when you see widespread curling shingles, granules collecting in your gutters, multiple leaks, sagging areas, or sunlight peeking through your attic, it’s usually time for a full roof replacement. In Michigan, where harsh winters and temperature swings take their toll, waiting too long can make the damage worse. According to GAF, these symptoms indicate that a new roof will better protect your home than ongoing patchwork repairs.

    2. How long does an asphalt shingle roof typically last in Michigan?

    Under normal conditions, asphalt shingle roofs last about 20–30 years. However, Michigan’s freeze-thaw cycles, heavy snow, and moisture can shorten that lifespan. If your roof is nearing 20 years old, it’s smart to schedule an inspection.

    3. What brands and warranties should I look for when replacing my roof?

    Two of the most trusted roofing brands in the U.S. are GAF and CertainTeed. Both offer multi-layer roofing systems designed for durability and backed by strong manufacturer warranties. The key is hiring a factory-certified contractor, like Herbert Roofing, because certification allows you to qualify for enhanced system warranties that cover not just the materials, but also the workmanship. GAF recommends registering your new roof to ensure the warranty remains active.

    4. Can I finance a roof replacement, and what should I budget for?

    Yes — most local roofing companies, including Herbert Roofing, offer roof financing options or can help you apply for a home-improvement loan. This makes it easier to spread out payments rather than paying the full amount up front. The average asphalt shingle roof replacement in the U.S. was around $14,959 in 2023 (according to GAF data), but your exact cost will depend on your roof size, materials, and design complexity. A certified contractor can help you customize a quote that fits both your budget and your long-term home goals.

    5. What should I expect on installation day, and how can I prepare?

    Roof replacement day can be busy, but it’s a smooth process when you plan. The crew will start by tearing off the old shingles and inspecting the deck for damage. Then they’ll install underlayment, flashing, and ice-dam barriers, followed by your new shingles. Before the team arrives, move vehicles out of the driveway, cover or move outdoor items, and protect landscaping from debris. A reputable roofer will handle cleanup, magnet sweep for nails, and a final inspection to ensure everything meets code.

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