A Homeowner’s Guide to the Florida PACE Program for Roof Replacement

In Florida, a strong, reliable roof isn’t a luxury—it’s a necessity. But with the high cost of replacement, many homeowners are forced to delay this critical work, putting their homes at risk. While options like home equity loans or personal loans exist, there is another powerful financing tool designed specifically for Florida homeowners: the PACE program.

Understanding this program can be the key to affording the roof you need. As one of the most trusted roofing companies in the Clearwater and St. Pete area, John Hogan Roofing wants to ensure you know all your options.

What is Florida’s PACE Program?

PACE, which stands for Property Assessed Clean Energy, is a special financing program available in many Florida counties. It is not a traditional bank loan. Instead, it allows homeowners to finance 100% of the cost for qualifying home improvements – including vital roof replacements and repairs – and pay it back over time through an assessment on their property tax bill.

Why Choose PACE for Your New Roof?

The PACE program was designed to remove the common barriers that stop homeowners from making necessary upgrades.

• Accessibility: Approval is not primarily based on your credit score. Unlike traditional loans where credit is a major factor , PACE financing typically has no minimum credit score requirement.
• Favorable Terms: The program offers fixed-rate financing, meaning your payment is predictable and won’t suddenly go up. It also has no prepayment penalties.
• No Upfront Cost: PACE can cover the entire cost of your roofing project, allowing you to get a new roof installed with zero money down.
• Tied to the Property: The financing is tied to the home, not the individual. If you sell your home, the assessment may be able to be passed on to the new owner.

Am I Eligible for PACE?

Eligibility for the PACE program is straightforward. The main requirement is that your home must be located in a Florida county or municipality that participates in the program. You can check your home’s eligibility by visiting the official Florida PACE website.

John Hogan Roofing: Your Partner for PACE Projects

Securing your PACE financing is the first step. The second, and most important, is choosing a roofing contractor with the experience and reputation to get the job done right.

John Hogan Roofing has been protecting Florida homes for over 25 years. We are a GAF Certified Installer and an Owens Corning Platinum Preferred Contractor (License #CCC1334411). We have extensive experience working with homeowners who use PACE financing.

Here’s how it works:

1. You get approved for your PACE financing.
2. You contact John Hogan Roofing for a free, no-obligation estimate.
3. We work with you to select the best materials (shingle, tile, or metal) for your home.
4. Our highly-trained, certified team performs a flawless roof installation.
5. The PACE program pays us for the completed project, and you begin your repayments through your property taxes.

A safe, secure roof is within reach. The Florida PACE program makes it possible, and John Hogan Roofing provides the quality you deserve.

If you’re considering a new roof and want to learn more about using the PACE program, call John Hogan Roofing today for your free estimate!