Solar + Roofing

Solar and roof replacement — done together.

If your roof is aging and your electric bill is rising, doing solar and roof replacement as one project can save money and let you finance both as a single payment.

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Last updated June 6, 2026•Reviewed by the Energy Pros editorial team

If your roof is aging and your electric bill is climbing, the smartest move is often to look at solar and roof replacement together rather than as two separate projects. Doing both at once can save money, avoid wasted work, and let you finance the whole thing as a single monthly payment. Here is how it works.

Why homeowners do both at the same time

Solar panels last 25–30 years. A roof that is near the end of its life will need replacing long before the panels do — and replacing shingles under an installed solar array means paying to remove the system and reinstall it afterward. Tackling the roof and the solar install as one project skips that double cost and gives you a single, clean starting point for both.

The cost of doing them separately

Remove-and-reinstall fees. Detaching and reattaching a solar system to replace a roof can add a meaningful cost that you avoid entirely by sequencing correctly.
Two financing applications, two timelines. Bundling can mean one approval and one payment instead of two.
Lost time on a high bill. Every season you wait on solar while rates rise is another season of full utility pricing.

Can you finance solar and a new roof together?

For many homeowners, yes. $0-down and low-monthly options exist that can cover roof replacement and solar as one financed project, subject to credit and lender terms. Energy Pros matches you with vetted local pros who can quote the roof and the solar system together so you see the combined monthly number, not two disconnected estimates.

Getting the sequence right

The order matters. If the roof needs replacing, it goes first (or in the same project) so the panels sit on a roof that will outlast them. If your roof is newer and in good shape, solar can proceed on its own. A good installer will inspect the roof before designing the array and tell you honestly which path fits.

How to compare a combined quote

Ask for the roof and solar line items separately even within a bundled quote, confirm whether the solar portion is a loan, lease, or PPA, check the workmanship warranty on both, and make sure any savings figure is built on your actual usage and utility. Then compare at least two vetted pros.

Sources used in this guide

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Energy Pros does not guarantee savings, approval, incentives, or utility-rate outcomes. Financing availability and terms vary by credit profile, project, and lender. Solar and roofing eligibility vary by home, roof condition, location, and installer.

Frequently asked questions

Do I need a new roof before installing solar?

If your roof is within roughly 10 years of needing replacement, it is usually worth replacing first or doing both together, because removing and reinstalling panels later is expensive. A newer roof in good condition can usually take solar as-is.

Can I finance solar and roof replacement together?

Often yes. $0-down and low-monthly options can cover both as a single financed project for qualified homeowners. Terms depend on credit, the project, and the lender.

Is it cheaper to do solar and roofing at the same time?

Usually, because you avoid paying to detach and reinstall the solar system when the roof is replaced later, and you may consolidate into one financing package.

What if only part of my roof needs work?

An installer can assess whether a partial repair plus solar makes sense, or whether a full replacement is the better long-term value before panels go on.