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If you need a new roof and cannot cover the cost on your own, this is a real place to start. Habitat for Humanity does more than build homes. Many local Habitat groups also run home repair or critical repair programs, and roof replacement or major roof repair can be part of that help. The exact help depends on the local Habitat office, but the path is clear: contact the local program, confirm eligibility, gather basic papers, and ask about other official repair options at the same time (Guide)