If the right products are installed and the paperwork’s done right, homeowners can offset a portion of their costs. However, many people miss out because they are unaware of what qualifies or how to claim it. Whether you’re a contractor helping clients make smart upgrades or a homeowner planning a roof project, understanding the federal guidelines could put money back in your pocket.
There’s a common misconception among Florida homeowners and even contractors that a state-level roofing tax credit exists. It doesn’t. Florida does not offer its own roofing-specific tax credit, but that doesn’t mean you’re out of options. Under the federal Energy Efficient Home Improvement Credit, you may still qualify for meaningful tax savings when installing eligible roofing materials.
This federal program, expanded under the Inflation Reduction Act, helps homeowners offset the cost of energy-efficient home improvements. Roofing materials that meet certain energy-saving standards, such as those certified by ENERGY STAR®, may qualify for a residential energy credit. This applies only to the cost of the materials, not labor or installation, and must be for a principal residence, not a second home or rental.
Understanding what counts as qualifying property, how to track eligible expenses, and which forms to submit can make the difference between missing out and reducing your tax liability. With the right materials and proper documentation, homeowners in Florida can benefit from federal-level tax savings even without a state-specific incentive.
Roofing Materials That Qualify Under Federal Credits
To qualify for a federal roofing tax credit, the materials used must meet strict efficiency guidelines. Most eligible products are ENERGY STAR-certified, designed to lessen energy costs by keeping your home cooler and reducing strain on your HVAC system. Keep in mind: the credit only applies to the materials, not the installation costs.
ENERGY STAR-Certified Metal Roofs
Metal roofing systems that use pigmented coatings are engineered to reflect solar heat rather than absorb it. These coatings improve energy efficiency by reducing the amount of heat transferred into your home. They’re especially effective on steep-slope roofs, a common residential design where the roof rises at least 3 to 4 inches per foot. This type of roof not only sheds water easily but also maximizes the cooling benefits of coated metal panels.
ENERGY STAR Asphalt Roofs
Some asphalt shingles also qualify, but only those containing cooling granules. These granules are built into the shingles, not layered on top. Unlike traditional materials that mainly provide color and UV protection, cooling granules reflect more sunlight, reducing the roof’s surface temperature and helping maintain lower indoor temperatures. This makes them a strong option for energy-efficient upgrades in Florida’s warm climate.
To claim the credit, save your Manufacturer’s Certification Statement to prove the product qualifies. You’ll also need receipts showing the material cost, which you’ll enter on IRS Form 5695 when filing your tax return. Please note that there is a maximum annual credit limit of $1,200 for building envelope components (including roofing materials, insulation, windows, and doors). So even if you spend $6,000 on qualifying roofing materials, you would only be eligible for a maximum credit of $1,200, not $1,800. Consulting a tax professional for the most up-to-date guidance is highly recommended.
How Much Can Florida Homeowners Save?
If you’re using qualifying materials, the federal roofing tax credit offers a simple way to lower your tax bill. Thanks to the Inflation Reduction Act, homeowners who invest in energy-efficient home improvements, including eligible roofing materials, may qualify for a credit worth 30% of the material cost, up to the $1,200 annual cap.
Again, it’s important to note that this applies to materials only. You won’t receive a credit for labor, permits, or installation costs. But for homeowners choosing ENERGY STAR–certified asphalt or metal roofing, the savings can still be worthwhile.
For example, if you spend $6,000 on qualifying roofing materials, you may be eligible to receive up to $1,200 back, due to the federal annual limit for building envelope components—not the full 30%.
Keep in mind:
- The credit only applies to a principal residence.
- There is a $1,200 annual cap on building envelope improvements.
- The credit is now annual, not lifetime, meaning it can be used again in future tax years for new qualifying improvements.
- Materials must be placed in service during the year you are filing.
Because the rules can change and products vary, working with a licensed contractor familiar with energy-efficient materials and consulting a tax professional can help you get the maximum benefit.
How to Claim the Federal Energy-Efficient Roofing Credit
Claiming the federal roofing tax credit isn’t automatic. You’ll need the right documents, forms, and timing to make sure the IRS accepts your claim. Because this credit falls under the broader residential energy credits category, it’s important to follow each step carefully to avoid missing out on tax savings.
- Confirm That Your Roofing Materials Qualify
The materials must meet energy efficiency standards and usually carry an ENERGY STAR® label. Only the cost of the materials counts. - Make Sure the Work Is Completed on Your Primary Residence
The property must be your main home. The materials must be placed in service within the tax year you plan to claim the credit. - Save the Manufacturer’s Certification Statement
This document confirms that the product complies with IRS guidelines. Keep it with your tax records. - Keep Receipts That Separate Material Costs
Your invoice should clearly indicate the amount spent on qualifying materials. Labor costs do not count toward the credit. - File IRS Form 5695 With Your Tax Return
This form calculates and claims your Residential Energy Credits. Include it with your federal tax return for the same tax year. - Consult a Tax Professional if Needed
They can ensure you’re applying the correct limits and taking full advantage of any available credits.
Special Case: Solar Roofing and Clean Energy Credit
If you’re considering a new roof and want long-term energy savings, solar roofing may offer more than just power—it could also deliver significant tax relief. Unlike traditional roofing materials, solar roofing tiles and solar shingles generate electricity while also serving as a weather barrier for your home. These dual-purpose systems qualify for a different incentive: the Residential Clean Energy Credit.
Compared to the standard roofing tax credit, the clean energy option offers a significantly larger potential return. It also extends beyond the roof—expenses for related battery storage technology and solar electric collectors may qualify when installed simultaneously.
If you’re planning to upgrade both the function and efficiency of your roof, solar roofing could provide both protection and power while reducing your tax liability.
Key Considerations Before Filing
Before claiming the roofing tax credit or the residential clean energy credit, it’s essential to get the details right. Missing a step or a document can mean losing out on the savings. Here are a few things to double-check before you file:
Documentation Is Essential to Prove Eligibility
Keep all receipts and product certifications, especially the Manufacturer’s Certification Statement. This proves your materials or system meet IRS requirements.
Consult a Tax Professional
Tax rules change. A licensed expert can help you apply the correct credit—whether it’s the residential clean energy credit or the non-business energy property credit.
Complete the Work Within the Tax Year
The system or materials must be placed in service before December 31 of the tax year you’re claiming. Filing early helps avoid delays and missed savings opportunities.
Don’t Miss Your Window to Claim the Roofing Tax Credit
The deadline to claim your roofing tax credit comes fast. Once the tax year closes, that opportunity disappears. Even though Florida doesn’t offer a state-specific incentive, the federal energy-efficient tax credits can still reduce the cost of your upgrades.
Now’s the time to review your materials, gather documentation, and talk to a pro before filing. Solaria Solar and Roofing can help you navigate product eligibility, handle the installation, and connect you with trusted tax resources. If you’re planning a new roof or solar roofing shingles, start early to lock in the savings and maximize the available credits.