Seniors are the most ill-fated person when they have limited and low income. They can’t take care of proper medication, home improvement, recreation costs, and so on. Indeed, they may have a home, but it has been old. There are so many repair works that are needed, but the most essential and costly repair is roof repair. A roof may be damaged, shattered, and broken due to old age, cyclones, harsh weather, and possible natural calamities.
As said, seniors have less income than young people and may not go for roof repair because roof repair is a little bit costly budget. But there are so many assistance and grants programs for free home repairs for senior people. So these grants for roof replacement and repairs and assistance are available from different government departments and non-profit organizations. So we are going to discuss some repair works, types of roof damages, and programs available to help you go for repair works.
Roof And Its Repair Work
A roof is a top covering of the building to make sure it can protect from sunlight, rain, snow, storm, extremes of temperature, the velocity of the wind. It is designed and built according to the materials and constructions necessary to support the walls of the buildings.
The Architectural Design of the roof come with different form, and one may find it in the society. In China, the Architectural design of the roof can be seen as fascinating. On the other hand, In the USA, the roof is built according to traditional norms and ideas.
The materials of the roof may vary according to the type of roof. But mainly ceramic roof tiles are common to see still now even if it is predominant for decades. Other roofing materials are asphalt, coal tar pitch, EPDM Rubber, Hypalon, polyurethane foam, PVC, slate, Teflon fabric, TPO, Wood Shakes, and Shingles.
Its repair work: it is common to believe that any construction is not predominant for centuries. This can be damaged when it goes beyond the tolerance derived from the harsh weather. Extreme snowfall can destruct the roof slowly. The aged roof should be checked from time to time because ignorance of this checking can cause roof damage and a loss of life.
So you may visit the roof physically to inspect faults if there are signs of water damage, missing, curled, or cracked shingles, rusted metal roofing components, presence of moss or algae on the room, sagging. These problems or structural faults may be found when your roof is getting aged. So it is important to check this problem and get it repaired as soon as possible.
Types Of Roof Damage And Its Repair Cost
As people choose roofs according to design and different architectural designs, there are many types of roof damage. This can cost you amount according to the very nature of the roof.
1. Asphalt Roofing
In the United States of America, Asphalt Roofing can be seen here and there. People choose this type of roof for its low cost and there is no complexity of setting this roof. The most common causes of this roof are hail, scorching sun rays, and snow. The repair cost of this type of roofing may stand between $1000 to $3660. But the homeowner may get it at a lower cost if there is minor damage to the roof.
2. Clay Tile Roofing
Clay Tile roofing is now backdated, but most homeowners may go for this type of roofing for good architectural design and aesthetic staples. There may be cracked broken tiles, spalling, loose tiles, and flaring failures that cause damage to the roof. The cost of clay tile roofing may come by $55 to $65 per square meter.
3. Flat Roof Covering Options
The rubber, PVC, modified bitumen and tar are the component of this roof. Some common problems such as punctures or tears from storm damage may damage this flat roof covering. Repairing this type may be so high, but this commonly comes from $3130 to $9707. The cost may vary according to the nature of the damage to the roof. This roof is important to make sure you are considering climate and the lower cost of roofing.
4. Metal Roofing
People have been using this metal roofing for a long time, and it is one of the old forms. This is much more durable and aesthetic that can guarantee for 30 to 50 years. Even if it is durable but is damaged by a heavy storm, hail that is likely to be minor cosmetic dents, punctures, etc., the metal roof repair may cost you $1628 on average, but this can vary according to the nature of the damage.
5. PVC Flat Roofing
PVC flat roofing comes with so many features as it is lightweight but long-lasting. This also protects from leakage from heat-welded seams. It is also one of the good choices and so many homeowners choose this roof for its coolness. There may be hail damage and other reasons. The repair cost of this type of PVC flat roofing may come based on square feet. So you may need to count $2.5 to $4.00 per square foot.
6. Rubber Roofing
Most of the homeowner may go for eco and budget-friendly roofing. Then Rubber roofing can be one of the best choices. This roofing is also durable and long-lasting and comes with different colors and features. The most common damages of Rubber roofing are improper installation, Shrinkage, and seams. You may need to count $4 to $10 per square foot for its repair cost.
7. Shingle Roofing
Shingle Roofing is like Asphalt roofing, and it is comprised of tiles and shingles that ensure interlocking and overlapping. Some materials can be locally found to make this roofing. There may be granule loss, buckling, curling, and missing that can cause damage to this roof. The cost of this roofing may be between $375 to $1600.
8. Slate Roofing
Slate Roofing is one of the most common and familiar types of roofing. This is much more available and found in the United States of America and it is also a part of American history for its architectural beauty. Slate roofing is also durable and can last for 100 years. There may be damage to slate roofing: poor quality of tiles, broken slates, nail sickness, slipped slates, etc. You may need to count $1663 on average to repair slate roofing.
How To Finance Repair Costs For A Roof Repair
Even if the repair cost may vary according to the nature and design of the roof, the significant repair cost can mostly range between $350 to $1500. This is a little bit high amount that you may not afford to pay. Senior are the people who have less income but increasing costs such as medication, recreation, and traveling. But they have at least a home, but the roof has been damaged somehow, and it is to be repaired as soon as possible. So the notion is financing for roof repair.
1. Go with your own
In case there is minor damage to the roof, you may spend from your pocket. Surely there is damage that is so minor. This can be repaired with own hand or a roof doctor at a lower rate. When there is significant damage but this can’t cause big trouble for your home, you may wait for some months. You save money and go for roof repair. But in some cases, roof repair may be so urgent when there is no hand to do anything but go for immediate roof repair.
2. Refinance your home
When you, as a senior, still have a good income source and think you are still energetic, you may go for a loan program with laxer terms and conditions. There is a home improvement loan that is termed refinancing your home with FHA 203K Refinance Loan. Surely there are so many loan programs for senior people with lower interest rates and much laxer terms and conditions. Before making this decision, it is important to know very well about the loan program, or you should need to get financial advice from a financial expert.
3. Apply for grant and Assistance
When senior people don’t afford to pay the roof repair cost, they surely need assistance for this repair work. Senior is the oldest and experienced person who has tremendous outstanding in the sphere of the country. They also have the right to live well at this age even if they don’t afford it. So the government has different assistance programs as a grant for senior people.
For example, The Weatherization Assistance program is one government program that assists senior people with a grant for roof repair. Additionally, you may also get support and assistance from your dear one and different non-profit organization.
Eligibility For Grants And Assistance For Seniors Before Applying
For any type of grant or assistance, there are some eligibility criteria. Surely the grants and assistance are not for all. There are key issues that are considered highly. For example, you are tenants, so you cant go for either roof repair or getting grants and assistance. For this,
- The applicants must be homeowners or landlords and cooperative members.
- Income is considered and there is an income guideline to make sure you are a low-income earner. These earnings come between 50-80 percent of the area’s median income.
- You are a senior citizen and you also have, children and disabled family members, then priority is given for assistance.
How To Apply For Grants And Assistance
Any type of grant and assistance needs to get started with the required information and all types of information. So many people start an application and provide wrong information that may disqualify them for grants and assistance. There are some issues, such as they are discarded permanently. So it is important to be patient when you’re going to apply.
Surely there is a website of the organization where you are going to apply. Firstly, you need to get information on how to get started and what information you need to submit. If you are directed to apply online, you need to provide information and fill up the application. It is important to note that you may require to submit papers on the ground of the information provided. It is a simple, easy, and fast way to apply online.
When you don’t understand the online application process, you may contact the organization’s local office. Indeed some authorities may help you on how to proceed with the application. You may apply in person, and you should make it clear by discussing it with the local office staff.
So the common thing is to be noted that you should not provide any false information. Your chance of getting assistance can be quick when you provide accurate and authentic information from your ground.
Programs Available For Free Roof Repair For Senior
There are so many government and non-profit organizations programs for free roof repair for senior people. Now we are going to discuss briefly, but you need to check from their website broadly.
1. Weatherization Assistance Program
The weatherization assistance program is a government program that the Department of Energy administers. These programs always focus on saving energy and depending on clean and renewable energy. In the United States of America, there are many programs for inspiring people to depend on renewable and clean energy to make sure a better and greener tomorrow for the future generation. As part of this, there are home repairing and improvement grants for low-income families and senior people.
Nearly $5 billion is disbursed at the states and local government level to make sure the low-income families and senior people can go for home improvement such as roof repair, replacing windows, updating home appliances, and improving energy efficiency. So there are some eligibility criteria such as income level, ownership of a home, and so on. So you may visit the website of this program and know more details.
2. Department of Aging
There are so many programs for senior people at the community level. The department of Aging is a government entity of the United States of America that provides information, education, and much-needed assistance for senior people. This department helps the senior people with grants and other financial assistance for roof repair, window replacement, and other types of home improvement.
Senior people face a financial crisis at this age, and they don’t afford to go for roof repair. So there is free roof repair for senior people. When you direly need your home improvement such as roof repair, you may contact this department. Then you should collect information and know more details before getting started.
3. Section 504 Home Repair program
U. S. Department of Agriculture is a government department that helps the senior and adult people. Surely like every citizen, Senior people will have the same rights and benefits. But they may not have that because of low income, huge expenditure of medication, and so on. For this, the U.S. Department of Agriculture has a program named section 504 home repair programs. It ensures possible repair work assistance so that the home is much safe and healthy by eliminating health and safety hazards.
There are grants and loans on much laxer terms and conditions that are available for senior people. The roof may pose a hazard risk that may cause havoc for the senior people’s house. The fragile roof may also be the reason for death because it is serious while it falls down. This is considered important, and grants and loans are ensured so that senior people can eliminate hazards and modernize the home for safe living.
4. Low Income Home Energy Assistance Program (LIHEAP)
Low Income Home Energy Assistance Program is a federal program that ensures assistance for low-income families and senior people. This program provides different assistance for heating, cooling energy costs, and bill payment.
Luckily you may apply and avail assistance to make your home weatherized and energy-efficient. For this, there is free roof repair assistance that can be used to go for possible repair work. There are eligibility criteria that are income and there is a guideline of the definition of low income. You should check out the website of benefits.gov to know more details.
5. The Housing Preservation Grant
This is a government program that provides grants for roof repair for very low-income families and senior people. The housing preservation grants work to better low-income people, senior people, and other unfortunate people. It is important to visit the USDA website to know housing preservation grants because this grant is not available everywhere. When you are living in rural areas and occupy houses, you may be eligible. So you may visit and contact the local rural development office for more details.
6. Single-Family Housing Repair Grants and Loans
The senior people can also get grants and loans to go for repair work of the roof. The Single-Family Housing repair grants and loans is the program sponsored by the United States Department of Agriculture. There is monetary assistance for free roof repair, removing any hazards, door repairing so that the senior people can stay safe.
There are some eligibility criteria to get this monetary assistance, such as income level being less than 50% of the Median Income and ownership of the home. Senior age should be 62 years and above. So you may visit the department of agriculture website to know more information or visit a local office of this department near your location.
7. Habitat for Humanity
Habitat for Humanity is a non-profit organization that is working to make a difference for the betterment of low-income people. When you are a low-income senior person, you may apply for assistance for free roof repair for seniors to this non-profit organization. Indeed this organization provides different types of assistance such as free medical equipment such as wheelchairs and medical supplies. When you require home improvement like roof repair, you can apply for assistance here.
8. Local Contractors
As we believe that local contractors are not paying heed to you because of their demand. But there is an exception indeed. There are some contractors locally whom you know well. When you explain your distress and hardships, they may be willing to repair your roof free of cost. Indeed everyone has a social responsibility, not that CSR. As part of this social responsibility, everyone should come forward and help each other.
Some contractors are embedded in this belief and help the senior people and other low-income people. You discuss your problem and be open, and then you get assistance. Additionally, a local contractor may also go for discounts, and your cost of roof repair may include below.
9. Catholic Charities
Catholic Charities are a non-profit organization, and it is also a faith-based community to make sure they can bring a difference in the community. As part of making a difference, everyone is equal, and they will live and eat in the same way other people do. Catholic Charities understand the hardships and sufferings of the low-income people and seniors who don’t go for home improvement such as roof repair.
There are local Catholic charities in your location where you may check out what assistance is available for you. For this, they help improve their roof and provide assistance. There may be eligibility criteria and you also need to prove that you are low income and don’t afford to repair your roof.
10. Rebuild Together
Rebuild Together is a non-profit organization that extends a helping hand to senior people. This organization is working to address the problem and implement essential repair programs for the seniors at the community level. This organization aims to ensure the safe living of the neighbors to their homes.
When there is a roof repair need for the senior home, and it is very urgent according to their health need, this organization comes forward to assist with necessary roof repair, renovation, and energy efficiency upgrades.
Frequently Asked Questions
So some questions provide information on roof repairs for senior people. Surely this can add more understanding for you as senior people.
Can non-profit organizations help senior homeowners?
There are so many non-profit organizations that help with home improvement for senior people. When senior people are posed to the risk of roof fall, the non-profit organization highly considers the assistance for the senior people. Senior personal surely will be able to lead a happy and better life even if they have hardships in their life. So the non-profit organization is not confined to help repair the roof, but there are also many other assistances for senior people.
How can Medicare help senior homeowners?
It is important to believe that Medicare is a government program that ensures affordable health care for low-income people and seniors. When it comes to home improvement, then Medicare may suggest home improvement such as roof repair according to their health need. But they don’t directly fund or assist with financial assistance.
Their recommendation is highly considered as the most important issue to the government body, non-profit organization, and other platforms. This recommendation also works as urgency to help senior people to make sure they are safe at their homes. But doctors may also suggest using any component which is in slight and minor need.
How do you know that you are eligible under LIHEAP?
Low-income home energy assistance programs are a federal government that focuses on heating and cooling energy costs. When it comes to home improvement, such as roof repair that enhances reduction of heat and renovation program; they assist senior people. This program also helps with Weatherization and home improvement. But the primary eligibility is low income, and not just senior people but all low-income individuals may be eligible under this program. It is vital to check out your eligibility as seniors and assistance available for you.
How can I get my replaced for free?
Roof replacement is a bit costly, that many people don’t afford to go for this replacement cost. When you are low-income individuals and seniors with low income, there are grants programs to replace your fragile roof. There are Weatherization Assistance Program, section 504 home repair programs, the department of agriculture, and USDA that provide assistance based on your low income and don’t afford to go.
Senior is a true hero of the nation, and they should have a better tomorrow and a better life. But the lousy situation may disrupt everything in their lives and suffer from a fragile roof over their head. This fragile roof is to be repaired, and there is a higher cost to do that. So those programs can be light of Hope for going to roof repair again. The senior should check out their website and local office to get current and updated information and start the applications process. Then possible assistance must be available to make a better tomorrow with a better roof over their head.