Insurance. Where storm damage is involved and the claim is approved, you pay your deductible and the carrier covers the approved scope. Whether that’s most of the cost or a fraction depends on whether you hold an RCV or ACV policy — see
roof replacement cost.
Direct payment. Straightforward, and worth asking whether paying directly is cheaper than financing once fees are counted.
Contractor-arranged financing. Many roofing companies offer financing through a third-party lender. Terms vary widely and deferred-interest offers can be expensive if not cleared inside the promotional window.
Home equity. Frequently the lowest rate available for a project of this size, though it takes longer to arrange and secures the debt against the house.
