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Don’t let payment timing delay urgent repairs. Through our financing partner Hearth, you can see monthly payment options from multiple lenders in minutes, then choose the plan that fits your budget.
Robinson Restoration offers restoration financing through Hearth and its lending partners. Robinson is not a lender. You can compare monthly payment options in a couple of minutes, and checking your options through Hearth does not affect your credit score.
Insurance rarely covers every dollar of a restoration project. There’s the deductible, work the policy excludes, upgrades you decide to make while walls are already open, and losses that were never covered to begin with. This page explains how financing works through Hearth and its lending partners, what it’s commonly used for, and what happens at each step. Robinson Restoration isn’t a lender. We connect you with the tool, and the lenders set the terms.
Fast, secure prequalification through Hearth. Answer a few questions to view personalized options.
Financing offered through Hearth Financing and its lending partners. Robinson Restoration is not a lender.
Use the calculator above to enter a project amount and a few basic details. It returns example monthly payment scenarios from Hearth’s lending network so you can see what a range of plans might look like.
Prequalification asks for basic information and uses a soft credit check, so looking doesn’t affect your credit score. You’ll see which lenders are willing to work with you and roughly what they’re offering, with no obligation to move forward.
If an option looks workable, you continue with that lender directly. They handle the full application, the terms, and the final decision. Read the offer carefully before you sign, since rates and repayment periods vary by lender and by borrower.
Once funding is settled between you and your lender, we schedule the work. Payment to Robinson Restoration happens the same way it always does, on our normal invoicing terms. The loan stays between you and the lender.
Most policies leave the deductible to you, and on a large loss that can be a real number. Financing spreads it across monthly payments instead of one lump sum at the start of the job.
Adjusters exclude things: code upgrades beyond the allowance, pre-existing damage, maintenance items found once demolition starts. Those costs are real even when they fall outside the claim, and financing gives you a way to handle them.
Walls are open, floors are out, and the tile you actually wanted costs more than what the claim allows. Paying the difference over time is often easier than writing a second check mid-project.
Some damage never makes it to a claim. A denied loss, a lapsed policy, water that’s ruled gradual seepage, or a small job you’d rather not report at all. Financing covers those the same way it covers claim gaps.
Carriers usually release money in pieces: an initial actual-cash-value payment first, then recoverable depreciation after the work is finished and documented. That gap between what you owe now and what arrives later is the most common reason homeowners look at financing.
On larger losses the claim check often lists your mortgage servicer as a payee. They endorse and release funds in draws tied to inspections, which can add weeks. Financing keeps a project funded while that paperwork works its way through.
Stopping a job halfway costs more than people expect. Crews get rescheduled, materials get restocked, and an open building sits exposed to winter rain. Keeping the work continuous usually protects the structure and the budget better than waiting for every dollar to land.
No. Hearth’s prequalification uses a soft credit check, which is visible to you but doesn’t change your score. You can look at monthly payment ranges without committing to anything. If you decide to move ahead with a specific lender, that lender’s full application may involve a hard inquiry, and hard inquiries can affect your score. The lender will tell you before that step happens.
Not us. Robinson Restoration is a restoration contractor, and we don’t lend, underwrite, or service loans. Hearth is a financing platform that connects homeowners with a network of independent lending partners. Any loan you take out is an agreement between you and that lender. We don’t see your credit report, we don’t approve or deny anything, and we don’t get a say in your terms.
Generally the parts of a restoration project you’re paying for yourself: the deductible, mitigation and cleanup, contents work, and the reconstruction that follows. Optional upgrades usually qualify too, since the lender is funding you rather than a specific line item on an estimate. The lender sets its own rules about eligible use, so confirm anything unusual with them directly before you sign.
That depends entirely on the lender, and it’s a fair question to ask before you sign. Some loans let you pay the balance early with no fee. Others charge one. Because terms come from independent lenders and vary by product, we can’t tell you what yours will say. Read the disclosure the lender gives you, and ask them directly about early payoff if it isn’t spelled out.
Yes. The two are separate. Your claim runs through your carrier on their timeline, and the loan runs through your lender on theirs. Homeowners often use financing to cover the deductible or the gap while a claim is still being adjusted, then apply the insurance proceeds to the loan balance when the money arrives. How that payoff works is up to your lender’s terms.
It happens more than you’d think, especially when a mortgage servicer holds the check or an adjuster reopens a scope. A loan doesn’t wait for that, so your payments start on the lender’s schedule regardless of where your claim stands. Worth planning for when you decide how much to borrow. If the timing worries you, talk it through with your lender before accepting an offer.
Robinson Restoration is not a lender. Financing is offered through Hearth Financing and its independent lending partners, who set all rates, terms and approval decisions. Prequalifying doesn’t guarantee an offer, and any loan agreement is between you and your lender.
What restoration financing costs depends on two separate numbers: the amount you finance and the terms a lender puts on it. Robinson Restoration sets the first by inspecting the loss, documenting the scope, and putting it in a written estimate you can read line by line. Hearth’s lending partners set the second, and you’ll see the monthly payment before you accept an offer.
The loss type sets the floor. A water loss prices on category and class, drying days, and how much material has to come out. A fire loss adds soot removal and odor work. Square footage, cavity access, and containment requirements move all of them.
Mitigation is one number. Reconstruction is another. Permits, code-required upgrades once the wall is open, and the finish materials you choose all move it. Robinson Restoration manages that rebuild phase through vetted licensed contractors and sister companies, and their scope gets documented the same way.
Stretching payments over a longer term lowers what you owe each month and raises what you pay in interest over the life of the loan. A shorter term flips that. Lenders on Hearth’s platform offer different term lengths, so compare them side by side.
Lenders price each offer on credit history, income, and existing debt, so two homeowners financing identical work get quoted different terms. Origination fees and early-payoff rules sit in that offer and change the total, which is why the disclosure matters more than the monthly figure.
On a covered loss, the carrier pays the approved scope and you cover the deductible plus whatever the policy excludes. Causes the policy doesn’t cover fall to you in full. Robinson Restoration bills carriers directly when a claim allows it, so financing handles the remainder.
Start with an on-site inspection and a written estimate, then bring that number to the payment calculator on this page. Photos and your policy details help us scope it.
Questions about scope or cost? Call us and we’ll walk through the numbers before you look at financing.
