How do I get help with roof repair?
Short answer. Start with insurance if a storm or falling tree caused the damage, since that is the most common way roof repairs get paid for. If the problem is age or wear, look at the USDA Section 504 repair program for very low income rural owners, the Weatherization Assistance Program, city and county housing programs, church and nonprofit repair ministries, and contractor financing.
If a storm caused it
Hail, wind and fallen limbs are covered perils on most Georgia homeowners policies, while normal wear and old age are not. Have the roof inspected and photographed, then decide whether a claim makes sense. See whether insurance covers roof replacement.
Government and nonprofit programs
- USDA Section 504 Home Repair: for very low income homeowners in eligible rural areas. USDA lists loans up to $40,000 and grants up to $10,000 for owners 62 and older, with grants limited to removing health and safety hazards. Apply through USDA Rural Development's Georgia office.
- Weatherization Assistance Program: run in Georgia through local agencies. It focuses on energy efficiency and may cover limited roof repairs needed to protect that work.
- City and county housing programs: many Georgia cities and counties use federal block grant money for emergency repairs for seniors, disabled owners and low income households. Call your community development or housing office.
- Area Agency on Aging: Georgia's regional aging agencies can point seniors to local repair help.
- Churches and home repair ministries: many North Georgia congregations and nonprofits run volunteer repair projects.
Financing and timing
If you do not qualify for aid, ask about contractor financing, a home equity line, or doing the urgent repair now and a replacement later. Robust Roofing lists its financing options for exactly this situation. Be wary of anyone who offers to cover your insurance deductible; that is illegal in Georgia. See how to choose a contractor.