Financing & FAQs

Affordable Roof Financing

A Partner You Can Trust

Why settle for gold, Go Platinum.

Making your roofing, window, etc. project affordable. So you can dream about what’s possible. Receive instant approval on up to a $100,000 home improvement loan with no hidden contractor fees, credit cards or prepayment penalties.

With a PowerPay home improvement loan you can pay for the repair or purchase of a new roof, windows, siding, doors or any home improvement. With a PowerPay loan you can pay your contractor for materials and installation over time through low, fixed rates and at low, fixed monthly payments. It’s easy to apply for a loan online and your approval comes in seconds!

Fair, Reasonable and Lowest Payment Possible!


At Platinum Roofing, our fundamental focus is maintaining the utmost respect for you and your property. Our team understands the time and care you’ve invested into every aspect of your home, and we work carefully to preserve and increase its value. If you have questions check out our FAQs listed below or feel free to contact Platinum Roofing for any additional details.


Platinum FAQS

See Client’s frequently asked questions below! Platinum is your partner through the entire process!

Affordable Roof Financing

Platinum FAQs

What if my roof is too old and they won't pay for it to be replaced?

95% of homeowners carry full replacement coverage, which means that the age of your existing roof is irrelevant. If it has damage, then it has damage. It’s as simple as that. However, the age may affect when they will pay it, but our repairs are not contingent on prompt payments.

How long does the process take?

It takes roughly 2 weeks between us filing your claim and you receiving your insurance check. Once we receive your insurance paperwork, color choice, and shingle type, we will have materials at your property within 2-5 days. In most cases, your roof will take one day to build.

I'm worried if you complete my installation in one day it won't be quality work.

All of our crews are licensed, insured, and bonded. They are trained by Platinum Roofing and have strict guidelines which they must adhere to. We also guarantee all of our work with a warranty which is shown in the contract.

What if there are aspects of the job the Platinum Roofing can't do?

Although Platinum Roofing is a full-service general contractor for exteriors, there could be portions of the project we don’t specialize in. These often include: awnings, A/C units, electrical work, power-washing, shutters, and screens. Your insurance estimate will outline the dollar amount for each of these and we only take the portion of the money where we have performed the work.

What is my out of pocket cost as a homeowner?

The only cost to you is your deductible and any upgrades you choose. However, the more your insurance company allows for your roof, the less your upgrades will cost. In the unfortunate event that your claim is denied, you owe us nothing and the agreement with Platinum Roofing is void.

Does your company use toe boards when installing roofs?

Toe-boards are 2×4 ‘s that are nailed into the roof for crews to stand on while installing the roof. This will put holes in your shingles and plywood and will cause leaks in the future. Our crew opts to use ropes and kneeling cushions to prevent any damage to your shingles and plywood.

Will my insurance premiums increase or will my policy get canceled?

A hail storm is an “Act of God,” and is out of your control. We have yet to come across a situation where a homeowner has been cancelled due to a hail claim. You will want to check with your insurance company to see if you have a “no claim discount,” because you will probably lose your discount. In most cases we can apply a shingle of higher quality that may get you a discount on your insurance going forward.

How do I know if I have hail damage?

Most hail that hits your roof and house may be too small to cause any damage. However, a percentage of the hail may be large or irregularly shaped, which can cause severe damage that may not be apparent until leaks gradually appear. It is best to have your roof inspected by a drone to determine if you need to file an insurance claim and have an insurance adjuster assess the total amount of damage incurred.

Why did the insurance company withhold depreciation on my roof? Will I get that money?

There are two reasons that the insurance companies withhold some money back. The first reason is to make sure that you have the work completed. The second reason is that they wish to make sure that you pay your full deductible. Most homeowners policies cover full replacement value. The first check the insurance company gives you is the Actual Value (AV); what the roof is worth today with it’s useful remaining life. The money that was withheld is called the depreciation, or technically, the Replacement Value (RV) and will be paid to you when the work is completed or most times upon the submission of a signed contract with a licensed contractor for the work specified in the insurance adjuster’s summary report.

How can I avoid paying my deductible?

Legally, you can’t. Of course, a roofer in collusion with a homeowner can submit falsified invoices. However, doing so is insurance fraud. Please do not ask Platinum Roofing to do this, however, we do offer finance plans to make your roofing payments easier.

It looks like my insurance already took out the deductible from the check they sent me.

When most people look at their insurance paperwork they are confused, because they think the insurance company deducted their deductible from the money the insurance company has sent them. However, the deductible is the amount that the homeowner is responsible for paying directly to the contractor. The insurance company subtracts the homeowner’s deductible amount on the paperwork from the total amount the insurance company allows for the claim, since the homeowner will pay their deductible directly to the contractor.

Why is my insurance only paying 1/2 of my roof when they covered my neighbors roof in full?

No two houses receive the same amount of damage in a storm. Your neighbor may have sustained extensive damage, and you may have received none. The insurance company will only pay for the actual damage incurred. If the entire roof was not damaged, unfortunately the insurance company cannot pay for the whole roof. However, if it is border line, it always helps to have your roofing contractor inspect the roof with your insurance adjuster to accurately assess all damage to the roof. Sometimes insurance adjusters may not be able to see all the damage if they are not able to walk on a steep roof and photograph certain areas. Platinum Roofing uses drones, and AI technology to make sure that we have a full picture of the extent of the damage on your roof. In addition we will meet with the adjusters to go over our findings to make sure nothing is missed during the adjusters visit to your home.

I definitely appreciate your company and the efforts you put into clean up and doing a great job. We really appreciate you guys making an effort to clean up and you got our job done just as you said it would be done. Would recommend you to anybody I know having a roof done!

– Brent

Platinum Roofing

2907 N 38th St., Lincoln NE 68504
(402) 855-5050