Charlotte Roofing Assistance Programs & Resources
Free and low-cost roofing help for Charlotte homeowners. Find assistance programs, emergency resources, and contractor verification tools — all in one place.
Who Offers Free or Low-Cost Roof Repairs in Charlotte?
Several Charlotte-area nonprofits and government programs provide free or subsidized roof repairs for qualifying homeowners, including seniors, veterans, disabled residents, and low-income families. Eligibility is typically based on income, home ownership, and residency in Mecklenburg County.
Habitat for Humanity Charlotte
Offers critical home repair programs including roof replacement for qualifying low-income homeowners in Mecklenburg County. Homeowners must own and occupy the home and meet income guidelines.
Eligibility: Income at or below 80% of Area Median Income
Mecklenburg County Housing Rehabilitation
County-funded program providing home repair assistance including roofing for owner-occupied homes in Mecklenburg County. Covers emergency repairs and general rehabilitation.
Eligibility: Owner-occupied, income-qualified Mecklenburg County residents
Rebuilding Together of Greater Charlotte
Nonprofit providing free home repairs for low-income homeowners, elderly, disabled, and veteran homeowners. Conducts repair events throughout the year with volunteer labor.
Eligibility: Low-income homeowners, seniors 60+, disabled, veterans
NC Housing Finance Agency
State agency offering home improvement loans and grants. The Urgent Repair Program provides up to $10,000 for emergency home repairs including roofing for qualifying homeowners.
Eligibility: Income below 50% AMI for urgent repair; varies by program
What Should I Do After Storm Damage to My Roof?
After storm damage, immediately document the damage with photos, prevent further water intrusion with tarps, file an insurance claim within 48 hours, and contact FEMA if a federal disaster has been declared for your area. These emergency resources can help Charlotte homeowners after severe weather events.
FEMA Disaster Assistance
Federal grants for home repairs after declared disasters. Covers temporary roof tarps and permanent repairs. Maximum individual assistance: $42,500 (2025).
Charlotte-Mecklenburg Emergency Management
Local emergency coordination during severe weather events. Provides information on shelters, emergency repairs, and disaster recovery resources.
NC Emergency Management
State-level disaster response coordination. Connects residents with recovery programs, FEMA applications, and additional state resources after major storms.
American Red Cross - Greater Carolinas
Emergency shelter and disaster relief after severe storms. Provides temporary housing assistance, clean-up supplies, and connects residents with recovery resources.
How Do I Verify a Roofing Contractor in North Carolina?
Before hiring any roofer in Charlotte, verify their NC General Contractor license at nclbgc.org, check their Better Business Bureau rating, confirm they have pulled the required Charlotte-Mecklenburg building permit, and request proof of insurance. These free verification tools protect you from unlicensed and uninsured contractors.
NC Licensing Board for General Contractors
Verify any NC contractor's license status, classification, insurance, and complaint history. Required for projects over $30,000.
NC Department of Insurance
File complaints about insurance claim handling, verify insurance company licensing, and access consumer protection resources.
Better Business Bureau - Charlotte
Check roofing company ratings, file complaints, and review consumer feedback. BBB accredited businesses meet additional trust standards.
Charlotte-Mecklenburg Building Permits
Verify that roofing permits have been pulled for your project. All roof replacements in Charlotte-Mecklenburg require a building permit.