RoofsDirect.com Minnesota
1-800-377-40278am–8pm, 7 days a weekCall Roof-to-Close: for real estate transactions
How It Works FAQ
Call 1-800-377-4027
For real estate professionals

A new roof, paid for at closing

When a carrier will not insure a roof, the sale cannot fund.
Roof-to-Close replaces the roof before the closing date and takes payment from the proceeds — no cash from the seller up front, nothing extra for the buyer to find at the table.

Under contract already? Call 1-800-377-4027 and we will work to your closing date.

Paid at closing Inspected within 48 hours Seller, buyer, or split
The problem

Why an old roof stops a sale

Hail has made carriers strict, and the roof is usually the last thing anyone checks. By the time the binder is ordered, the closing is days away.

No policy, no funding

A mortgage requires homeowners insurance. When a carrier declines the house, it is not just the policy that stops — it is the closing.

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Carriers have tightened up

After repeated hail seasons, many carriers will not write a roof much past fifteen or twenty years, and some will only offer terms a lender will not accept.

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The calendar is the real enemy

A replacement is not a nine-day job once you add scheduling, permits and weather. Found late, it forces an extension nobody wanted.

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The program

How Roof-to-Close works

Six steps from a problem address to a closing that funds.

01

Send us the address

Type the property address and get a price in under a minute. No appointment, and nobody has to be home.

02

We verify the roof

An inspector confirms the measurements and the condition, usually within 48 hours. There is no cost and no obligation at this stage.

03

You decide who pays

Seller, buyer, or split between them. We price the roof; how the cost is allocated is your negotiation, written into the purchase agreement.

04

We install before closing

The work is done ahead of the closing date so the buyer’s carrier has a new roof to write against instead of a twenty-year-old one.

05

We are paid at closing

Our invoice is settled from the proceeds at the title company. No deposit from the seller, no cash from the buyer at the table.

06

You get the paperwork

Invoice, workmanship warranty and manufacturer warranty registration, so the carrier and the lender both have what they ask for.

Everybody at the table

Who it helps

The roof gets replaced once. All three sides get something out of it.

For the agent

The deal closes. A roof that would have cost you the sale becomes a line on the settlement statement.

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For the seller

No money out of pocket. The roof is replaced before closing and paid from the proceeds of the sale.

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For the buyer

An insurable home and a brand new roof with a manufacturer warranty, on the day you get the keys.

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What the roof itself costs

The same direct price as any other RoofsDirect roof. Being under contract does not change it.

  • Labor, materials, tear-off, disposal, permits and warranty, in one number
  • No sales commission built in, which is where the saving comes from
  • Owens Corning manufacturer warranty, registered to the new owner
  • Licensed, insured, certified crews doing the work
  • Documentation the carrier and the lender will both accept

What we need from you

Three things, and the first one takes a minute.

  • The property address. That alone gets you a price and tells us whether the roof is the kind we can turn around quickly.
  • The closing date. It decides what is realistic. Tell us early and we will be straight with you about whether it fits.
  • Who is paying. Seller, buyer, or split — once that is agreed in writing we can schedule the work.

Give us the closing date early and we will tell you exactly what we can do to hit it.

Questions

Frequently asked questions

Who actually pays for the roof?
Whatever the two sides agree: the seller, the buyer, or a split. We price the roof and stand behind the work — how the cost is allocated is your negotiation, and it is written into the purchase agreement and settled at closing.
What if the sale falls through?
Nothing starts until the arrangement is agreed in writing, so talk to us as early as you can. Call us with the specifics of your deal and we will tell you plainly what happens if the closing date moves or the contract dies, before anybody commits to anything.
How quickly can you get it done?
The price takes under a minute from the address. An inspector is usually out within 48 hours. The installation itself depends on permits, materials and weather, so the sooner you call the more options you have — the day the offer is accepted is not too early.
Will a new roof actually satisfy the carrier?
A new roof removes the reason most of these policies are declined. We provide the invoice, the workmanship warranty and the manufacturer warranty registration so the carrier and the lender both have documentation. Confirm the specifics with the carrier before you rely on it.
Who chooses the shingle and the color?
Usually whoever is paying, with the buyer’s input — they are the one living under it. You can preview colors on the actual home before deciding.
What does it cost?
Type the address and see. It is the same direct price as any other RoofsDirect roof, typically about 20% less than a traditional quote, because there is no sales commission built into it.
Does this only work in Minnesota?
Minnesota is where we operate today. If you have a closing in another state, call us — we will tell you honestly whether we can help with that one.

Price the roof before it costs you the deal

One address, under a minute, no obligation on anybody.

Or call 1-800-377-4027, 8am–8pm, 7 days a week.