Insurance leftyou with a$10,000 deductible?Roof financing in El Paso, TX
Finance it on a full roof replacement. Low monthly payments, on approved credit.
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Phones answered 24/7
Lifetime Roofing of El Paso finances the insurance deductible on full roof replacements, at the same price as cash. Approval comes back in minutes, after your free roof inspection.
- Lifetime transferable warranty
- Approval in minutes
- Same price as cash
- 5% military discount
- $1M liability / $2M workers’ comp
Your claim paidless thana new roof costs
Most of our customers have ACV (actual cash value) policies, so the claim pays what the old roof was worth after wear, not what a new one costs. Their wind and hail deductibles have run $7,000 to $13,000 on 2% policies.
The claim comes in short, and the hail-hit roof still has to be replaced. How Texas homeowners insurance pays for a roof
My wind and hail deductible is $10,000.
We finance the deductible on a full roof replacement, in low monthly payments, on approved credit.
My ACV policy paid what the old roof was worth, not a new one.
Your written estimate comes within 48 hours of the free inspection, so you see the full price before you decide anything.
“seems like all they care about are homeowner’s insurance claim repairs”
We inspect your roof for free, claim or not, and quote a repair when a repair will do.
Financing always costs more.
Your price is the same whether you pay cash or finance.
I’m not handing a roofer my Social Security number.
We never ask for it. The lender’s own secure form takes it, after the inspection.
“I called them 5 times and each time was told they would call me back and never did”
Our phones are answered 24/7, and form requests get a call back the same day.
Words in quotation marks come from El Paso homeowners on Reddit and in Google reviews of local roofers.
What callers askabout financing
Can I finance my insurance deductible on a new roof?
Yes, on a full replacement. Lifetime Roofing of El Paso finances the deductible on a full roof replacement, with low monthly payments, on approved credit. The wind and hail deductibles our customers see run $7,000 to $13,000.
Will you waive or pay my deductible?
No. Lifetime Roofing of El Paso never waives, rebates, or absorbs a deductible, because Texas law has the homeowner pay it. Financing spreads it into monthly payments instead.
Does financing cost more than paying cash?
No, it’s the same price. Lifetime Roofing of El Paso charges the same price for your roof whether you pay cash or finance the deductible.
What credit score do I need?
Most approvals start at 650. Lifetime Roofing of El Paso works with 3 lenders. You apply after your free inspection, and the answer comes back in minutes.
Can I finance a roof repair?
No, full replacements only. If a repair will do, Lifetime Roofing of El Paso quotes the repair instead, after a free inspection. Financing covers the deductible on a full roof replacement.
Hail hit El PasoOct 23–25
Hail fell on El Paso on October 23, 24, and 25, 2026. Storm reports to the National Weather Service measured hail up to 1.75 inches, about golf-ball size, 4 miles south of Fort Bliss on Oct 23.
Since the Oct 23 storm, Lifetime Roofing of El Paso has signed 6 hail roofs and has about 14 more in the works, in the Upper Valley, the Lower Valley, and by the airport. That’s the count as of mid-November 2026.
Each storm day has its own hail map, made to read on a phone.
How deductible financing works,free inspection to new roof
- 1
Free roof inspection
Call (915) 353-3934 or send the form below. Our roof inspection is free, claim or not, and your written estimate comes within 48 hours.
- 2
We document the damage for your claim
We document the hail and wind damage on your roof for your claim. We don’t adjust claims; your insurer does. Insurance claim documentation
- 3
Financing approval in minutes
After the inspection, you apply on the lender’s own secure form, and the answer comes back in minutes. Most approvals start at a 650 credit score.
- 4
A 3-day right to cancel
Once you sign, you have 3 days to change your mind.
- 5
Your new roof, about a week later
Work starts about a week after approval. Our own crew tears off the old roof, checks the decking, and installs your roof replacement, then runs a magnet sweep for nails and hands you the warranty paper.
Who qualifies fordeductible financing
- You own the home. Mobile and manufactured homes are OK.
- Most approvals start at a 650 credit score.
- It’s a full roof replacement. Repairs don’t qualify.
- You’ve had the free inspection. Financing is checked after it, not before.
You still pay your deductible
Financing spreads your deductible into monthly payments. Lifetime Roofing of El Paso never waives, rebates, or absorbs a deductible, because Texas law has the homeowner pay it.
Deductible financing
| What it covers | Your insurance deductible, on a full roof replacement |
|---|---|
| Your payments | Low monthly payments, on approved credit |
| Your price | Same price as cash |
| Approval | In minutes, after your free inspection |
| Right to cancel | 3 days after you sign |
| Work starts | About a week after approval |
| Workmanship warranty | Lifetime and transferable |
| 5% military discount | Works on a financed roof |
| End date | None |
Tarping and inspections carry no warranty.
Our Lifetime package:Class 3 shingles or better
The $1,000 rebate comes with our Lifetime package (Class 3 shingles or better). It never goes toward an insurance deductible. It works on a financed roof, and so does the 5% military discount for veterans.
More questions aboutfinancing a new roof
Can I finance a roof on a mobile home?
Yes, if you own it. Mobile and manufactured homes qualify for financing at Lifetime Roofing of El Paso. The borrower has to own the home.
Do I need to file an insurance claim first?
No. Lifetime Roofing of El Paso inspects your roof for free, claim or not. If you file, we document the damage for your claim. We don’t adjust claims; your insurer does.
What if my claim paid less than I need, or was denied?
Call us before you decide. Financing at Lifetime Roofing of El Paso covers the deductible on a full replacement, not the rest of what a claim leaves unpaid. Your written estimate, within 48 hours of the free inspection, shows the full price.
How soon can my new roof go on?
About a week after approval. Lifetime Roofing of El Paso gets the lender’s answer in minutes. You have a 3-day right to cancel, and work starts about a week after approval.
Will you ask for my Social Security number?
We don’t. Lifetime Roofing of El Paso asks only for your name, phone, and address. After your free inspection, the lender’s own secure form asks for your Social Security number, date of birth, and income.
Is the warranty the same on a financed roof?
Yes. Every installation from Lifetime Roofing of El Paso carries a lifetime transferable workmanship warranty, financed or paid in cash. If you sell the house, it passes to the next owner.
Is there a deadline for this offer?
No end date. Lifetime Roofing of El Paso’s deductible financing has no end date, so you can take the time to read your written estimate before you sign.
Request yourfree roof inspection
Send this form and we’ll call the number you give us to set up your free inspection. Financing is checked after the inspection, not before.
We never ask for your Social Security number, date of birth, income, or credit score on this page. After your free inspection, the lender’s own secure form takes those.
Rather talk to someone? Call (915) 353-3934. Phones answered 24/7. Se habla español.
Free inspection
Water coming in right now? Don’t wait on a form. Call (915) 353-3934.
Call Lifetime Roofing of El Paso about deductible financing on a new roof
(915) 353-3934
Get a free roof inspection
Based at 8900 Gateway Blvd E, El Paso, TX 79907. Se habla español.