From insurance claims to renovation loans and FORTIFIED grants
Project Financing Made Simple
Here's how Louisiana homeowners typically pay for roofing, remodeling, and structural projects with Cajun Home Services.
Insurance-Friendly
We work directly with your adjuster on storm and wind damage claims.
Up to $10k FORTIFIED Grant
Louisiana Fortify Homes Program may cover a large share of your new roof.
Transparent Milestones
No surprise charges. Pay against documented milestones in JobTread.
Our Lending Partners
Cajun Home Services partners with two industry-leading home improvement lenders. Apply directly — your information goes to the lender, never to us.
Acorn Finance
Compare offers from multiple lenders
Check personalized loan offers in 60 seconds. Soft credit pull (no score impact). Loans up to $100,000, terms up to 12 years, funds as soon as the next business day.
- Pre-qualify in seconds — no impact to credit
- Compare multiple lender offers side-by-side
- Fixed-rate, no prepayment penalties
GreenSky
Promotional & fixed-rate financing
One of the largest home-improvement lenders in the country. Instant credit decisions, fixed-rate installment loans, and promotional plans (including deferred-interest options) for qualified buyers.
- Instant approval decisions
- Promotional / deferred-interest plans available
- Loans designed specifically for home improvement
Need help choosing? Call us at (504) 336-2444 and a project manager will walk you through which option typically fits best for your project.
Other Ways Homeowners Fund Projects
Beyond Acorn and GreenSky, here are the other funding paths we see most often across roofing, remodeling, and structural work in Southeast Louisiana and the Capital Region.
Homeowner's Insurance Claims
For wind, hail, hurricane, or sudden water damage, your policy is usually the primary funding source. We document the damage, work with your adjuster, and bill against the approved scope. You typically owe only your deductible.
Best for: storm damage, sudden roof leaks, hurricane recovery.
Home Equity Loan or HELOC
Borrow against the equity in your home at favorable rates. A HELOC works like a credit line you can draw on as the project progresses; a fixed home equity loan locks in a single payment. Interest may be tax-deductible when used for home improvement.
Best for: kitchen remodels, additions, whole-home renovations.
FHA 203(k) Renovation Loan
Roll the cost of major renovations into a single mortgage when buying or refinancing. Especially useful for distressed properties, full gut renovations, or major structural work that exceeds typical project loan limits.
Best for: whole-home remodels, foundation + structural projects, investor make-readies.
Louisiana FORTIFIED Grant
The Louisiana Fortify Homes Program offers grants up to $10,000 toward a FORTIFIED Roof installation on qualifying primary residences. Combined with potential 25–35% wind/hail premium discounts, the math often works out in 3–5 years.
Best for: roof replacements on primary residences in eligible parishes.
Cash + Milestone Schedule
For homeowners paying out of pocket, we use a clear milestone payment schedule (deposit, materials, substantial completion). Every milestone is tied to verifiable progress and documented in JobTread.
Best for: smaller scopes, repair work, owner-funded remodels.
What We Don't Do
- We never collect or store your financial information — you apply directly with the lender of your choice.
- We don't take large up-front deposits. Payments are tied to documented project milestones.
- We don't pressure you into "today only" pricing. Quotes stay valid for 30 days.
- We don't up-charge insurance jobs. Our scope is what was approved by your carrier.
How the Financing Conversation Usually Goes
A simple, no-pressure path from inquiry to project start.
- 1
Free On-Site Assessment
We meet you at the property, document scope and condition, and put together a written estimate within 2–5 business days.
- 2
Identify the Right Funding Path
Based on the project type and your situation (insurance claim, equity, primary residence, investor property), we point you toward the funding paths that typically fit best.
- 3
You Choose & Apply Directly
You apply with the lender, insurer, or grant program of your choice. We never touch your financials. Most pre-approvals are completed in 24–72 hours.
- 4
Sign Contract & Schedule
Once funding is in place, we sign a clear contract with milestone payments, pull permits, and schedule your project start.
Or call (504) 336-2444 — Baton Rouge: (225) 375-2444
Financing Questions, Answered
The most common questions we hear from Louisiana homeowners about paying for their projects.
Ready to Plan Your Project?
Get a free, no-obligation estimate. We'll help you understand the cost and the funding paths that fit best.