You shouldn’t have to choose between protection and cost-effectiveness. No one should die because they can’t afford to live. Unfortunately, we live in a dystopian society were exorbitant cost-of-living increases have forced a situation of the haves vs. have-nots. With minimum wage remaining stagnant of talks of possible increases stalling, it’s becoming increasingly difficult to survive, left alone thrive in today’s economy. The American Dream has become a nightmare. Rent prices continue to soar well-above $1,500 a month and mortgage rates leave much to be desired. Rising lumber and steel prices have brought renovations and new construction to a screeching halt. Then there is the constant barrage of threats and chaos. Severe weather is occurring more frequently and civil unrest continues to dominate the headlines. Is there any escape from the bad news? Innovations in steel engineering and technology have created easy access to mini fortresses that can be installed in any home or office. But the question of finances still remains. How are you going to pay for your storm shelter?
Steel isn’t cheap. Hiring the brightest and most creative workforce in engineering comes at a high price, as well. Like any with commodity or services, increases in materials and innovation and technology come at a premium. It’s simple principles in economics. But the old adage is true. We get what we pay for. You could settle for a cheaper, more readily available building material, but you will suffer in the long-term. Flimsy wood and even cinder blocks will crumble under the duress of powerful EF-5 tornados. Craving steel protection but unwilling to meet the price point, many wannabe engineers will settle on shipping containers to ride out the storms. Unfortunately, these steel containers can be easily turned into coffins as these trailers will crumple or cave-in due to the extreme pressures of earth and gravity. Our steel panelized safe room kits and above ground shelters can sustain windspeeds of 250 miles per hour and a barrage of bullets or other domestic threat. They are engineered to be retrofitted into almost any existing floorplan with minimal disturbance to your home’s structural integrity.
How to pay for your storm shelter without breaking the bank
So the question still remains. How are you going to pay for your storm shelter? To save money in the long-term, many people will look to refinance their homes in hopes of getting a lower interest rate. Many financial advisors will only recommend this approach if you can reduce your interest rate by at least 2 percent. By reducing your rate, you can save money by pay by decreasing the size of your monthly payment. With this extra cash, you could save up money to purchase an affordable safe room or apply for additional financing to pay for your unit. Although this can be a favorable setup for financing, we realize it’s also an issue of timing as not all mortgage rates remain favorable. We recommend consulting with a financial advisor before refinancing your home in favor of lowering your rate and saving you money.
Apply for federal funding
Although you can’t put a price on safety, we realize that your bank account might not recognize this adage. But did you know that you can receive partial or full funding from the federal government to foot the expense for a brand-new safe room? That’s right. For those who qualify, FEMA will reimburse the costs of a safe room or bunker for residents who live in storm prone areas. Through a federal Hazard Mitigation grant, residents can apply for shelter funding that will cover up to 75 percent of the shelter or up to $4,000.
FEMA could pay for panelized safe room
If you are browsing our product line, you may be comforted by knowing that a qualifying grant can pay for a nice chunk of the overall costs associated with the purchase and installation. Despite the federal government’s generosity, there are a few catches. For one, you will still have to pay the overall costs of the unit up front. Also, the application process is not as streamlined as going to down to the local bank and taking out a loan. Individual homeowners cannot apply directly to FEMA for safe room funding. Instead, FEMA provides these funds states who then distribute the grants to local governments.
IMPORTANT: To determine your eligibility, contact your county’s Emergency Management office first. We cannot file on your behalf. Funds are limited.
Financing available for qualified customers!
Don’t put off your peace of mind any longer. You can finance our safe room and any installation or construction necessary to complete your project all in one simple loan. Pre-qualify today with Hearth for US Safe Room to see your payment options without impacting your credit! We can adjust your safe room, delivery, and installation based on your budget to best provide a solution that meets your needs. Request a safe room price quote today to get started! Pay for your storm shelter today with financing options for qualified customers.
