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Loading...There are 5 Florida roof replacement programs in over 40 local organizations. You’ll find them below, along with their description, how the programs work plus where to apply and get more information.
Updated: September 19, 2024
Programs to help pay a new roof in Florida
There are a few official government programs available for roof replacement.
Weatherization Assistance Program
Florida rural residents (USDA)
Each program provides funding their own ways, target different groups of homeowners and help you fund roof replacement in various ways. It’s important to know, there’s no program only for roof replacement. Each program usually allow you to update or repair many part of your home, including roofs.
Roof replacement programs eligibility
| Cities & Suburbs | Rural | |
|---|---|---|
| Low income | PACE, WAP, SHIP, Safe Home, Tax credits, cities & counties, State | USDA, PACE, SHIP, Safe Home, Tax Credits, WAP, cities & counties, State |
|
Medium/High income |
PACE, Safe Home, Tax credits, Improvement Loans, State. | USDA, PACE, Safe Home, Tax credits, Improvement Loans, State. |
Important reminder: Programs such as Weatherization, plus city or county assistance programs determine eligibility based on the median income in your area. This means that even if you have a moderate income, you might qualify for these programs if you live in a wealthier area. In other words, it’s better to verify your edibility with each programs first before thinking you won’t be able to receive funding for roofs.
Common roof issues
Florida’s hot climate is hard on many home roofs. Hot sun and high winds during hurricanes season often reduce the lifespan of roofs in the state. This often lead homeowners cornered with difficulties paying for roof replacement or repairs.
- Asphalt shingles: In Florida these roofs tend to last only 10-20 years (vs 20-30 years nationally). The intense heat speeds up shingle degradation, and strong winds are more common, causing blow-offs and tears.
- Metal Roofs: You can expect a lifespan of 30-50 years in Florida (vs 40-70 years nationally). The frequent rain can corrode and loosen the metal sheets attachment and high wind can rip them off. Proper maintenance is important.
- Concrete and clay tile roofs: The constant sun and rain exposure can damage the tiles over time, reducing their lifespan compared to drier climates. Lifespan in Florida is 25-50 years (vs 50-80 years in drier climates).
Florida PACE Program
The Florida’s PACE Program (Property Assessed Clean Energy) help any homeowners to finance energy-efficient improvement, including roof replacement, by offering financing options that are repaid through your property taxes.
| Pace fixed rates: | 6% to 12.99% |
| Credit Score: | No minimum credit score and pre-payment penalties. |
| Time to decision: | Immediate pre-approval. |
| Coverage: | Offered in all Florida cities and counties. |
| Projects: | Windows, Doors, Shutters, Roof, Gutters, Generators, Pool pumps, Garage doors, HVAC, Solar Panels, Water Heaters, Electric car chargers. |
Eligibility: You must own your home. No bankruptcy. Not behind on your mortgage and property taxes.
Program’s steps:
- 1- Pre-approval.
- 2- Select an approved contractor.
- 3- Contractor helps you determine your renovation cost.
- 4- Your approval to the programs. Also determines your repayments.
- 6- Renovation and installation.
- 7- A third party come to verify the work have been done.
- 8- Repayment start.
Florida SHIP
What is SHIP?
SHIP (State Housing Initiative Partnership Program) provides funding to local organizations, cities and counties to help homeowners with home improvements and roof replacement fit into the SHIP program. SHIP provides financial assistance to low-income families and individuals for home improvement projects, including roof repair and replacement.
Who is SHIP for?
The program target very low, low and moderate income families.
How can I find eligibility?
The local organization closest to you participating in SHIP will be able to guide you.
How can I find a local organization offering SHIP?
We have 1 article covering all important Florida home improvement grants and it include local organisations offering the SHIP program.
My Safe Florida Home Program
This program offers up to $10,000 in financial assistance and grants to Florida homeowners for storm-hardening projects, which may include roof structure hardening, roof covering and surface upgrade, windows and doors for hurricane protection.
What the program does?
- 1- You get a free wind hardening inspection to see how your home can be made more storm and hurricane resistant.
- 2- The inspector will give recommendation to harden your home in a report.
- 3- If some improvement are recommended you can then apply to the Safe Florida Home program.
Where do I apply for a free inspection?
More program details and FAQ here.
Weatherization Assistance Program (WAP) (40+ resources)
What is WAP?
WAP is a Federal program from the Department of Energy. In Florida, WAP aims to reduce energy costs for homeowners, and one of the measures is roof replacement by improving its coating. You can learn more about eligibility and apply for the free Florida roof replacement program, contact your local WAP organization.
Who is WAP for?
The program target low-income families, including the elderly and disabled, by making their homes more energy-efficient.
What else WAP can do for your home?
It can help replace or fix the following:
- – Roof repair or replacement by adding a new roof coating with a membrane. Important: not all local organisations provide roof replacement so verify with yours to see if they can help seal your roof.
- – Air infiltration with weather stripping, caulking, thresholds, minor repairs to walls, ceilings and floors, and doors and windows replacement.
- – Install attic and floor insulation (floors in northern Florida counties only)
- – Install attic ventilation
- – Apply solar reflective coating to manufactured homes
- – Install solar screens
- – Repair or replace inefficient heating and cooling units
- – Repair or replace water heaters
Where can I apply?
You can contact your local WAP organization.
Cities & Counties Roof Replacement Programs (many programs)
Most cities and counties’ housing departments provide home rehab/repair or home improvement program that help low income homeowner fix or replace their roof.
We recommend you contact either your local Housing Department or Community Development Department to learn about their program(s) and eligibility.
You can also start by review cities, counties and local resources already listed in our Florida resources page.
Florida Rural residents (1 program)
This USDA program provides, among other things, government loans for roof replacement, and grants to very-low-income rural homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards. Roof replacement are part of this program.
Contact your local USDA office for more details for roof replacement program.
How much money can I get?
- – Maximum loan is $40,000
- – Maximum grant is $10,000
- – Loans and grants can be combined.
Contact your local USDA office
Roof Replacement Incentives: Tax Credit (1 program)
Federal Tax Credit for Roofs
The Federal Inflation Reduction Act gives Florida homeowners tax credits when you update part of your home for energy efficiency. Many parts of your home are covered by this program and some roof replacement work are part of this tax credit.
What’s covered and what are the tax credits?
Homeowners can claim 30% of the cost associated with the follow renovations (some roofing work are included):
| Windows and skylights: | Credit max of $600 |
| Exterior doors: | Credit max of $500 ($250 per door) |
| Electric panel upgrades: | Credit max of $600 |
| Air source heat pumps: | Credit max of $2,000 |
| Heat pump water heaters: | Credit max of $2,000 |
| Central air conditioners: | Credit max of $600 |
| Insulation (ceilings/roof): | Credit max of $1,200 |
| Certified energy audit: | Credit max of $150 |
Frequent Questions: Roof Replacement Programs
Is there free roof replacement for seniors?
There’s no specific roof replacement program for seniors only. Seniors can apply to all programs found on in this page.
Is there free roof replacement program florida?
How to get a free roof in Florida? While some programs are free, not all of them let you have a free roof. It is recommended you verify with each programs for your situation to be 100% certain.
What is the roof and attic insulation rebates in Florida?
Most utilities will offer you rebates when you upgrade or add insulation to your roof (or attic) which will help you save on your cooling cost and save electricity.
Call or visit your utility site because all offer energy rebates for roof or attic insulation.