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Financial Responsibility

At Greentek Roofing and Solar we often encounter the question of financial responsibility. In other words, how much will individual homeowners be accountable for roof replacement? Well, before we get there let’s discuss some of your options for roof replacement, then potential financial accountability!

Being a roofing contractor in Greater Tampa for years, now, we have come across just about everything. Some things are more strange than others, but for the most part what we come across on a daily basis is storm damage. (This post is not about how to spot storm damage, or what to do if you do spot storm damage, you can check out those posts, here and here!)

As residents of Tampa, Wesley Chapel and the surrounding areas you probably know what it is like to weather a storm, or two. So, let’s talk about what your options are after the storm. And we will first start by saying that we simply offer our general advice on the matter, please discuss the exact details of your situation with your insurance company. Disclaimers aside, the 25% rule is the category that most of the roof replacements fall under. At a high level that means, if 25% of your roof is damaged from recent storm damage it can not be repaired and it must be replaced. As the homeowner, with insurance, the 25% rule means that you could be eligible for a roof replacement at the price of your current deductible.

Okay! That is one of the options we will discuss today, the 25% rule and potential eligibility for an insurance facilitated roof replacement.

Well, the next option is clear. Clear as day. You could simply self-finance a roof replacement. Greentek Roofing and Solar works with over 15 accredited financial institutions and offers flexible payment options to our clients in Greater Tampa. We are always happy to work with you, and within your needs to see to it that you get exactly what you want!

OK, 2 of 2 covered! Now, to the question you have been waiting for? What is the financial responsibility of the homeowner? How much will you pay for your roof replacement, if it is facilitated by insurance? In most cases it is simply a deductible, with most of our clients paying about 1,000-2,500. Once again, please consult your insurance policy for the exact details, this is simply what we have experienced in our years of service.

So, to recap, the 25% rule means mandated roof replacement (potentially via your insurance), in the event you will be replacing your roof yourself, Greentek offers flexible financing for you! Lastly, in most cases you the homeowner are only responsible for your deductible when it comes to insurance facilitated roof replacement.

We hope this helps you, let us know on social media if you found this article helpful, or what you would like to hear about next!


“GreenTek was awesome to work with. My rep James was easy to get in contact with and answered all my questions and made the process quick and smooth. The roof came out great and everything was finished on time and they handled everything with my insurance company so I didn’t have to. It made the process stress free for me.”

-Dylan O.

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