How to Pay for a New Roof in Florida

Reviewed October 2026

Your main options

Insurance, grants, or a loan

A new roof is usually paid for one of three ways. If a storm caused the damage, start with your insurance claim. If your income qualifies, check state and city programs. Otherwise most homeowners finance the job, through Florida's PACE program, an FHA Title I loan, a home equity loan, or the roofer's own financing, each with different costs and strings.

See all 6 sources for this page.

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Start with insurance if a storm caused it

Homeowners policies generally pay for sudden damage from a covered event such as wind or hail, not a roof that has worn out. Florida gives you 1 year from the date of loss to file. Our roof insurance claims guide covers deadlines, deductibles, and your rights.
A roofer can't offer to pay or waive your deductible, or give you a gift or cash for filing a claim. Florida law bars it (Florida Statutes s. 489.147).

Grants and local programs

My Safe Florida Home offers a free wind mitigation inspection and grants of up to $10,000 toward recommended roof, door, and window upgrades for owner-occupied, homesteaded, site-built single-family homes, for low- and moderate-income households. It pays by reimbursement. Our Florida guide has the details.
Many cities run repair programs that cover roofs, usually as 0% or deferred loans for income-qualified owners. Each of our city pages lists the local programs we found, such as Clearwater's Home Preservation Program and Hialeah's SHIP rehabilitation program.
Mobile and manufactured homes are excluded from My Safe Florida Home. See our mobile home roof guide.

PACE financing (paid through your property tax bill)

Florida's Property Assessed Clean Energy (PACE) programs can finance repairing, replacing, or improving a roof, including work that strengthens the roof deck attachment, plus other wind-resistance upgrades.
You repay it as a non-ad valorem assessment collected with your property taxes, not as a monthly loan payment. The term can't exceed the improvement's useful life, and is capped at 20 years.
To qualify you must be current on your mortgage, have property taxes current for the last 3 years, and generally have no bankruptcy in the past 5 years. Total assessments can't exceed 20% of the property's just value without your mortgage holder's written consent, and payments can't exceed 10% of your annual household income.
Before you sign, you must get a written financing estimate and disclosure, and the program must make a recorded phone call to confirm them with you. You must notify your mortgage holder in writing at least 5 business days before signing.
You can cancel within 3 business days after signing with no penalty. After that, the agreement is recorded in the county's public records, so ask how it would affect selling or refinancing. Projects under $2,500, including fees and interest, can't be financed.

Sources: Florida Statutes s. 163.08 and s. 163.081.

FHA Title I property improvement loans

Title I loans are made by private lenders and insured by the federal government. The maximum for a single-family home is $25,000, with terms up to 20 years.
Loans of $7,500 or less don't require security. Larger ones need a recorded lien on the home.
Only lenders approved by HUD for the Title I program can make these loans, so ask your bank or credit union whether it participates.

Source: FDIC, Affordable Mortgage Lending Guide, FHA Title I property improvement loan insurance.

Home equity, personal loans, and roofer financing

A home equity loan or line of credit borrows against the value of your home, usually at a lower rate than unsecured credit, but your home is the collateral.
Personal loans and roofer-arranged financing are faster and don't use your home as collateral, but rates are often higher. Read the terms closely, especially introductory or deferred-interest offers.
Whatever you choose, compare the total cost over the life of the loan, not just the monthly payment, and get at least two roofing quotes before you borrow.

Common questions

What is PACE financing for a roof in Florida?

PACE lets you finance a roof replacement or wind-resistance upgrade and repay it through an assessment on your property tax bill, for up to 20 years. Florida law caps total assessments at 20% of the property's just value unless your mortgage holder consents, and you can cancel within 3 business days of signing (Florida Statutes s. 163.081).

Are there grants to replace a roof in Florida?

My Safe Florida Home offers grants of up to $10,000 toward recommended roof, door, and window upgrades for eligible low- and moderate-income homeowners, and many cities run repair programs. Check our city pages for local options.

How much can I borrow with an FHA Title I loan for a roof?

Up to $25,000 for a single-family home, for up to 20 years, from a HUD-approved lender. Loans over $7,500 need a lien on the home.

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Related Florida guides

Roof prices by city:

Sources

This page explains financing options in general terms. It is not financial or legal advice.