No Roof Left Behind
If your home needs a new roof, we look for a way to make it happen: insurance coverage, zero-interest financing or a payment plan that fits your budget.
Three ways to a new roof
Insurance-covered replacement
For roofs showing storm damage or aging. We document the hail, wind and storm damage, meet your adjuster on site, and handle the paperwork and the conversations with your insurer. You need an active homeowners policy, a roof showing storm damage or age, and a legitimate claim.
Zero-interest financing
For homeowners whose insurance will not cover the roof but who cannot wait. Our three roofing lending partners offer zero-interest programs with 12 to 18 month terms, options with no credit check, and quick decisions, often the same day. You need steady income to verify.
Custom payment plans
For situations that do not fit a box. We talk openly about your budget and put together an arrangement that works for your family.
Who it is for
- Your claim was denied but the roof really needs replacing. We review the denial and document it properly.
- You do not have $15,000 to $25,000 saved. Financing can put a roof within reach.
- Your credit is not perfect. We have no-credit-check options.
- Insurance will cover the roof but the deductible is a stretch. We talk through the options with you.
- You have paid premiums for 20 years and do not know how to file. We guide you through every step.
- Your roof is leaking now. We have emergency options and faster timelines.
How it works
- 30 to 45 minutes
Free roof assessment
We inspect the roof and document its condition with photos and video: storm damage, age, structure and insurance eligibility.
- A straight conversation
Your options, without pressure
Insurance first if you have a policy, financing if insurance is denied or not enough, and a budget that works.
- We handle it
The path forward
The claim if it goes through insurance, the applications if it goes through financing, or the plan we made together.
- One week from approval
Installation
Installed in one day, with a full cleanup, whichever path you took.
Questions we hear
What if my credit is poor?
Our financing partners offer no-credit-check options for exactly this situation.
What if insurance already denied me?
Denials often come from thin documentation or a claim filed the wrong way. We review the denial and document the damage properly.
What if I cannot afford monthly payments?
We look at everything with you, including the insurance route and custom arrangements. If we cannot find something that works, we tell you, but we explore every option first.
Is this a sales gimmick?
No. The program exists because we got tired of turning away families who needed help. We are a business, not a charity, and we built it by helping people rather than picking only the easy jobs.
What if I am not sure I qualify?
That is what the free assessment is for. We inspect the roof, explain your options honestly, and you decide. No pressure.
Homeowners, in their words
Word for word from Google.
I have been speaking with roofers for quite a while now and TopCo is the first company I felt was completely upfront about everything I needed to know. They were extremely helpful and accommodating, which is important when it comes to such a big investment. They did an amazing job on my roof and I couldn't be happier!
5 out of 5 stars Lindsey W. · Google review · July 2026
Had my roof replaced by Topco. It was reasonably priced and work was completed as scheduled. Very happy with the results.
5 out of 5 stars Tim S. · Google review · June 2026
The TopCo’s response was very fast. They waisted no time evaluating the damage to the roof and then made the insurance claim painless. Highly recommend this company for your roofing needs.
5 out of 5 stars Justin C. · Google review · March 2026
Worried you cannot afford a roof?
Start with a free assessment. If we cannot help, we tell you, but we look at every option first.