Upstream Roofers partners with Hearth, a third-party financing company, so you can look at payment options in one place instead of calling around yourself. You can use it for your insurance deductible or for the full cost of the work, storm-related or not.
To be straight with you up front: the money isn't ours. Every rate, term, and approval decision comes from Hearth and its lending partners — we're not the lender, and your application is between you and them.
Those are two different questions, and the answers point in opposite directions. Under Colorado law — C.R.S. 6-22-105(1) — a roofing contractor being paid out of your insurance proceeds cannot pay, waive, or rebate your deductible, and cannot even offer to. We don't and we won't. We published what the statute actually says because that offer is the clearest early signal you're talking to the wrong company.
Financing is a different transaction with a different party. Your deductible is still owed in full — every dollar your policy names, paid to your insurer's math. What financing can change is when that money leaves your hands: a lender funds it, and you repay the lender on terms you agree to with them. None of it comes off your share, and none of it involves us paying anything on your behalf. A loan you owe is not a deductible somebody made disappear.
That distinction is the whole point. A roofer who erases your deductible is funding it somewhere — out of the invoice sent to your insurer, out of the quality of your roof, or out of a margin nobody doing this at volume can sustain. A lender letting you spread your own share over time is just lending you money.
There's nothing to plan around until there's a real number. We get on the roof, photograph what's actually up there, and give you a written estimate — or tell you the roof is fine and there's nothing to finance at all.
Your deductible on its own, your share after a claim settles, or the full cost of a retail project. Those are different amounts, and knowing which one you're looking at first saves you a round trip.
Hearth's tool is right here on this page. It's an estimate built from what you type in, not an application, and it doesn't send us anything.
Its button leaves our site for theirs. From that point the application, the terms, and the decision are between you and them.
The roof and the financing are separate tracks. Our scope and our price don't move either way, and we don't need to know how you're paying to do the work right.
Yes — through a lender, not through us. Your deductible is still owed in full; financing only changes when that money leaves your hands, because a third-party lender funds it and you repay the lender. Separately, and this matters: Colorado law bars a roofing contractor from paying, waiving, rebating, or absorbing your deductible, and we never do. Anyone who offers to make your deductible disappear is a red flag, not a deal.
Hearth and its lenders — entirely. Nobody at Upstream can approve an application, push one through, speed it up, or tell you what it will come back with. We aren't a party to it, and we don't need to know how it turned out to do the work right.
No. The written estimate is the same however you pay — out of pocket, from insurance proceeds, or with a loan. The price doesn't go up because you asked about financing, and a declined application doesn't change it either.
No. Most homeowners don't. Paying the way you normally would, or from insurance proceeds after a claim settles, is completely normal and always fine with us. Financing is one option on the table, never a condition.
No. Upstream Roofers is a roofing contractor. We don't lend money, fund loans, or hold your note — Hearth and its lending partners do all of that, under their own terms and their own privacy policy.
It's Hearth's tool, embedded on our financing page. You enter a project cost and it shows you what Hearth's options look like for that amount. Every figure it displays comes from Hearth, and using it on our site is not an application — following through is your decision, made with them.
Financing only matters once you know what the work actually is. The inspection costs nothing, there's no pressure attached to it, and “your roof is fine” is a perfectly good outcome.
