Question 1

Will the soft credit pull hurt my credit score?

Accepted Answer

No. A soft credit pull is exactly what it sounds like — an inquiry that returns your financing range without leaving a mark on your credit report. Any additional credit step for a specific loan product is disclosed by the lender before you opt in. Available terms and payment options depend on the applicant, project, and lender.

Question 2

What is the difference between the three tiers?

Accepted Answer

Good (Economy), Better (Standard), and Best (Premium) are three material-and-warranty tiers on the same quote. The base architectural shingle, the tear-off and disposal, the in-house install crew, the satellite-measured scope, the soft-pull pre-qual, and the virtual closing are identical across all three tiers. The difference is the shingle grade (architectural → designer → impact-rated), the underlayment package, the workmanship warranty length, and whether the drone + AI damage report is included.

Question 3

Are the 12 / 24 / 36-month rates the same for every homeowner?

Accepted Answer

No — and it would be irresponsible to claim otherwise. The rates you see on each tier card are representative examples for a typical roof in our eight-state service area. Actual APR, terms, payment, and approved scope depend on the lender, project total, and individual application. Review the lender-provided offer before signing anything; HPR does not guarantee approval or a particular monthly number.

Question 4

Is there a prepayment penalty?

Accepted Answer

Ask the lender whether the specific retail loan product has a prepayment penalty and review that disclosure before signing. Retail financing is separate from insurance-claim funding, which follows the carrier and policy process.

Question 5

Does financing cover storm claims too?

Accepted Answer

Retail financing is intended for homeowner-funded projects that are not being paid through an insurance claim. Insurance claims follow the carrier and policy process; coverage, approval, deductible, scope, and payment are not guaranteed by HPR or the retail financing program.

Question 6

What if I am on the storm path — does the pricing change?

Accepted Answer

On the storm path the pricing is the same per-tier — but the bill is paid by the insurance carrier rather than by you directly. A storm roof that qualifies for a full carrier-funded scope typically lands on the Better (Standard) tier after the AI damage report and adjuster review, because the scope covers everything Half Price Roof LLC crews. If you are unsure whether you are on a storm path, the contingency agreement + drone capture are both free until you commit to a scope.

Question 7

Can I switch tiers after I pre-qualify?

Accepted Answer

Yes — you can move up or down a tier at any point before virtual closing. Soft-pull pre-qualification checks the financing range against the top tier first, and you pick the tier that matches your monthly number. If a more expensive tier lands inside the pre-qualified range, we walk you through the features and let you choose. After closing, of course, you cannot downgrade a constructed roof to the economy shingle — but you can upgrade to the next tier at any time before install.

Question 8

How does virtual closing work once I pick a tier?

Accepted Answer

Once you pick the Good / Better / Best tier we send the contract, the scope, the schedule, and the warranty in a single e-sign packet. You sign on your phone or laptop, the executed document is delivered to both sides, and the install is scheduled the moment funding clears. Storm claims close identically: the contingency is signed online before the drone operator visit, and the install is scheduled the moment the carrier funds the claim.

Feature	GEconomy	BStandard	BPremium
30-year architectural shingleBaseline architectural-grade shingle on every tier; thicker laminate and longer warranty as the tier climbs.
Designer / impact-rated shingleEngineered laminate on the Better tier; impact-rated shingle on the Best tier.		Designer	Impact-rated
Synthetic underlaymentFull-coverage synthetic underlayment beneath the shingle; thicker grade as the tier climbs.
Ice & water shield at eaves + valleysSelf-sealing membrane at every eave and valley on every tier.
Full-deck ice & water shield (Best only)Self-sealing membrane across the entire roof deck — Premium tier standard.
Ridge ventContinuous ridge vent at the peak; upgraded ridge-vent + flashing package on Best.	Standard	Standard	Upgraded
Tear-off + disposal includedOld-roof tear-off and debris haul-off are included in the project total on every tier.
Permit handling includedLocal permit pull and inspection scheduling baked into the project — no separate billable.
In-house install crew (no subcontractors)Every crew member on every tier is a Half Price Roof LLC employee — never day labor, never a sub.
Volume-priced materialsMaterials purchased in mass quantity on every tier — savings flow through the project total.
Satellite measurement includedCentimeter-grade roof measurement pulled from satellite imagery — no on-property tape walk.
Drone + AI damage report (storm path)High-resolution drone capture + AI damage scoring maps every hail bruise + wind-lifted shingle on the storm path.
Soft-pull pre-qual (no score impact)Soft credit pull shows financing range + monthly payments without affecting the credit score.
Storm contingency agreement availableFor storm claims: written contingency assigning insurance proceeds to Half Price Roof LLC until the carrier funds.
Virtual closing / e-sign packetContract, scope, schedule, and warranty all in one e-sign flow — no showroom, no sales rep visit.
Manufacturer warranty lengthMaterial warranty length directly from the shingle manufacturer.	30 years	30 years	50 years
Workmanship warranty lengthHalf Price Roof LLC installation workmanship warranty on the completed roof.	5 years	10 years	15 years
Typical install timeOn-property install window for a typical single-family home at this tier.	1–2 days	2 days	2–3 days

Term	Per month	Of Standard total
12 months	$1,379	$15,500
24 months	$729	$15,500
36 months	$499	$15,500

Three tiers. Same volume pricing. Half the overhead.

Pick the tier that matches your monthly number.

Every line, side by side.

Soft-pull pre-qual, sample 12 / 24 / 36-month math, virtual closing.

Soft inquiry — no score impact

See your monthly range

Pick a tier that fits

12 / 24 / 36-month term math

Virtual closing & no prepayment

The questions homeowners ask before picking a tier.

Roofing support across eight states and local markets

State hubs

Priority city pages

Pick the tier that matches your roof and lender-provided terms.

Talk through your roof and the next step