Roof Repairs Are Expensive — But There Are Options: Financing Solutions for Churches
When your church roof starts leaking or your insurance company requires a replacement, it can feel overwhelming. Roof projects can be among the most expensive repairs a congregation faces — especially if insurance won’t cover the full cost or a high deductible applies.
At Bunton Roofing Company, we’ve worked with churches across Abilene and the Big Country who found themselves in this situation. The good news? There are multiple financing options and funding strategies available to help your congregation move forward with needed roof work while protecting your budget and ministry goals.
1. Capital Campaigns and Pledge Drives
Many congregations rely on capital campaigns to raise funds for major building projects. With clear communication about need, cost, and impact, members often respond generously to a dedicated “roof fund.”
Tips:
Share photos and inspection reports to help members understand the urgency.
Offer multiple giving methods — one-time, recurring, or online.
Celebrate milestones as funds are raised.
2. Facility or Maintenance Reserve Funds
If your church already maintains a building or facilities fund, this is the time to use it. A portion of that fund can be applied toward immediate repairs or as a down payment on a larger project.
Pro tip: Make roof care part of your ongoing annual budget so you can plan ahead for future repairs.
3. Low-Interest Nonprofit and Church Loans
Several financial institutions — including those that specialize in nonprofit lending — offer low-interest construction or repair loans for churches. These loans can spread the cost of a new roof over several years while preserving cash flow.
What to look for:
Fixed interest rates
Flexible repayment options
No early payoff penalties
4. Denominational Grants and Matching Programs
Depending on your affiliation, your denomination or regional office may offer grants or matching funds for building projects. These programs are designed to preserve church facilities and support congregations that demonstrate need and good stewardship.
5. Historic or Preservation Grants
If your church is a historic building, you may qualify for state or local preservation funding. These programs often prioritize restoring or maintaining roofs that are key to a structure’s historic integrity. Bunton Roofing can help provide documentation and specifications that align with preservation standards.
6. Insurance Escrow or Advance Payments
If you’ve filed a claim, your insurer may release partial payments or advance funds for immediate repairs while the final claim is processed. A roofer experienced in working with insurance adjusters can help you coordinate this process and avoid project delays.
7. Bridge Loans or Lines of Credit
For churches expecting funds from pledges, grants, or insurance settlements, a short-term bridge loan can help cover the gap. These are often easier to manage than long-term loans and ensure your roof gets repaired quickly before further damage occurs.
8. Contractor Financing and Payment Plans
Some roofing companies — including Bunton Roofing Company — can connect churches with third-party financing partners. These programs allow congregations to spread payments over time, making large repairs more manageable within annual budgets.
9. Community Partnerships
In some cases, local businesses, donors, or charitable foundations may be willing to contribute toward the project — especially if your church building serves as a community gathering place. Sharing your story and emphasizing your church’s role in local outreach can inspire broader support.
10. Combine Funding Sources for the Best Fit
Most churches find success by blending two or more funding approaches — for example, using partial insurance proceeds, a congregational campaign, and a small church loan. The key is transparency, planning, and trusted partners to guide you through the process.
Bunton Roofing: Helping Churches Plan, Protect, and Proceed
At Bunton Roofing Company, we understand that a roof project is more than a construction job — it’s an act of stewardship. We’ve helped numerous churches across West Texas find practical ways to repair or replace their roofs while staying within their means.
We’ll help you:
Develop accurate cost estimates for loan or grant applications
Provide inspection reports and photos for board or insurance approval
Coordinate phased repairs when budgets require a step-by-step approach
Connect you with financing resources or payment options
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Yes. Many lenders offer low-interest loans tailored for nonprofit or church organizations. Bunton Roofing can help you prepare detailed cost estimates and documentation required by lenders.
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Begin with a clear inspection report and cost estimate. Communicate the need to your congregation, create a campaign theme, and share progress updates. Many churches combine member pledges with outside funding sources.
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Often yes. Churches listed on or eligible for the National Register of Historic Places — or those within local preservation districts — may qualify for special funding. Bunton Roofing can assist with project documentation and repair specifications.
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Contact Bunton Roofing Company for a roof inspection and honest assessment. We can help you identify immediate priorities, explore short-term repair options, and connect you with potential funding paths.
Ready to Explore Financing Options?
If your church is facing an expensive roof repair or replacement, Bunton Roofing Company can help you evaluate your options and find the best path forward.
Call us today to schedule a consultation or inspection.
Serving Abilene, Texas, and the Big Country, we’re here to help your church protect its property and continue its mission with confidence.