PITCH Roofing - Pace, Financing and Other Options For Florida Roof Replacements

Your Guide to Florida Grants,  PACE, Loans, and Financing for a Florida Roof Replacement Your Guide to Florida Grants,  PACE, Loans, and Financing for a Florida Roof Replacement

Getting a new roof in Florida is essential for protecting your home from hurricanes and our severe UV exposure, but the cost can feel overwhelming. The good news is that you have options. This guide is designed to help Florida homeowners like you navigate the financial assistance available for a roof replacement, including accessible solutions like the PACE program, valuable Florida loans, and other flexible financing plans. Whether you’re looking for a path with no credit check or need funding to make your project possible, the programs below can provide the support you need to secure a safe and sturdy roof for your home. Let PITCH help you explore your local roof financing options!
Pinellas County's

Homeowner Rehabilitation & Reconstruction Program

SINCE OCTOBER 20, 2025

A groundbreaking opportunity for Pinellas County homeowners, this program is part of the new “People First Hurricane Recovery Program” funded by an $813 million federal grant. Designed specifically for residents affected by recent hurricanes like Idalia, Helene, and Milton, it offers up-front funding and reimbursement for critical repairs or even a complete roof replacement. If approved, you’ll repay this loan through your property taxes at low rates ranging from 6 to 13 percent.

With a staggering maximum funding amount of up to $375,000, this program can cover the full scope of necessary work. Eligibility is based on income, with households making up to 80% of the Area Median Income (AMI)—approximately $83,450 for a family of four—receiving most funds, with a smaller amount set aside for households making up to 120% of the AMI. Important Note: Applications for this specific program are scheduled to open on October 20, 2025. Homeowners are encouraged to gather documentation and monitor the official Pinellas County resources for application details and qualification requirements to prepare for the application process.

Pinellas County's Homeowner Rehabilitation & Reconstruction Program
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Florida Map PACE Financing
PACE FLORIDA

PACE Financing

An Innovative Path to a New Roof

The PACE Program (Property Assessed Clean Energy) offers a unique financing solution for Florida homeowners needing a roof replacement. Unlike traditional loans, PACE is not based on your personal credit score, meaning it offers a viable path forward with NO credit check required for approval. Instead, the repayment for your new roof is made as an assessment on your annual property tax bill over a set period, making it a highly accessible option for many. This program is specifically designed for home improvements that enhance energy efficiency and hurricane resilience, which a new roof certainly accomplishes.

By choosing PACE, you can fund 100% of your roof project, including labor and materials, with no upfront costs. This innovative financing model allows you to invest in a critical upgrade that protects your home and increases its value without a significant initial financial burden. It’s crucial to work with PACE-approved contractors who understand the specific application and installation requirements to ensure a smooth process from start to finish, turning the daunting task of a roof replacement into a manageable, long-term investment.

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Sunrise of St. Pete

A Community-Focused Program

Available Now!

The Sunrise of St. Pete program is a fantastic example of a localized initiative designed to help Florida homeowners manage the cost of restoring your home from hurricane damage, including getting a new roof. This program functions as a targeted Florida loan for homeowners affected by recent hurricanes, providing crucial financial assistance to those who need it most. For residents who meet the specific criteria, it offers a way to secure a new roof without needing to pursue traditional financing or worry about a credit check, removing significant barriers to home safety and maintenance.

This kind of community initiative is an essential resource, as it addresses the urgent need for weatherproofing and storm protection that a new roof provides. If you are a St. Petersburg resident unsure of how to restore your home after it has sustained hurricane damage, Sunrise St. Pete could be exactly what you need.  

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Sunrise of St. Pete
My Safe Florida Home Approved Roofing Contractor
FLORIDA GRANT

My Safe Florida Home

Available Now!

Navigating the opportunity to fortify your Florida home is now simpler and more affordable than ever. PITCH Roofing is a proud approved contractor for the My Safe Florida Home Program, which offers eligible homeowners a grant of up to $10,000 to make crucial wind mitigation improvements, including a new, resilient roof. This isn’t a loan, it’s free money from the state designed to help you protect your property, lower your insurance premiums, and enhance your peace of mind during storm season.

At PITCH Roofing, we don’t just install roofs; we guide you through the entire process. Our team is well-versed in the program’s requirements and will help you from the initial application to the final inspection, ensuring you maximize your grant benefits. Let us help you turn a state-funded opportunity into a stronger, safer, and more valuable home.

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Flexible Financing

Options for Your Roof Replacement

For homeowners who may not qualify for a specific grant or the PACE program, there are still excellent financing options available to facilitate a necessary roof replacement. Many reputable roofing contractors partner with lenders to offer flexible plans tailored to a variety of budgets. These solutions are designed to break down the total cost into manageable monthly payments, making a new roof an affordable reality without requiring a large upfront investment, and they often feature competitive rates.

While these plans may involve a standard credit application, they provide a straightforward path to securing your new roof. It’s important to discuss all available financing choices with your contractor to find a plan that fits your financial situation. Whether it’s a low-interest loan or a payment plan with favorable terms, these options ensure that a roof replacement in Florida remains an accessible goal for homeowners seeking to protect their investment and their family.

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5.0
Read our 274 Partner Reviews
joan marie leverone
joan marie leverone
August 25, 2026

Kevin showed up within 15 minutes. Found the problem and fixed. Did not try to sell me anything I didn't need. Pitch is now my go to for repairs and I will certainly recommend this company to anyone who needs roofing.

Billy Bob (Reverand)
Billy Bob (Reverand)
August 11, 2026

I think I have used PITCH Roofing more than any other company or service since I relocated to Florida. Always top notch service at a great price!

Mayra Martinez-Fernandez
Mayra Martinez-Fernandez
July 28, 2026

The work was done quickly and professionally. The roof looks amazing. They also completed a project to reduce the heat transfer of my lanai aluminum roof. The price was reasonable and the salesperson, Kevin, extremely responsive and helpful.

Michael Clayton
Michael Clayton
July 13, 2026

I did extensive research on pricing; quality of materials within a comparable scope of work. I contacted and directly communicated with at least five other roofing companies for the replacement of my residential roof and PITCH had the best price; highest quality materials and best warranty when compared with all the other competitors within a comparable scope of work. Their staff is responsive and kind. Ron Olsen, the CEO, followed through with everything promised. Go with Pitch Roofing. MC aka WA

Anita Sobral
Anita Sobral
July 7, 2026

I had a wonderful experience with Pitch Roofing. Ron, Caitlin, and Kevin were caring, attentive and professional. They went above and beyond to ensure a timely delivery of the new roof. The roof looks beautiful and I received several compliments from my neighbors. A special thank you to Kevin, my sales manager, for his dedication and attention to detail. Thank you, Pitch Roofing!

Carrie Stinchcomb (Carries55)
Carrie Stinchcomb (Carries55)
June 24, 2026

Pitch Roofing did an outstanding job on my roof! Owner Ron was fantastic — super helpful, honest, and walked me through everything clearly every time I talked to him. Caitlin was great with updating keeping in touch and always friendly and responsive, and she even sent me pictures of all the work they completed. The crew was professional, the work was excellent, and the price was honestly the best around. Couldn’t be happier with the results. Highly recommend Pitch Roofing!

John B
John B
June 17, 2026

I've had three roofs done in my lifetime. This one was the nicest of the three. No issues at all. The county inspector was impressed with the work. They put down tarps around the house and over the pool. Left my yard cleaner than it was when they arrived. Highly recommend.

Miguel Garay
Miguel Garay
June 7, 2026

Pitch Roofing Company is the best in roof business Mike and Caitlin GREAT TEAM Thank you very much for your support

Dan K.
Dan K.
June 3, 2026

PITCH Roofing did an amazingly great job of replacing my old roof. In the initial phase they discussed options and presented material samples, and once I made a decision they organized and scheduled the tasks needed to complete this complex project. Painters were brought in to paint the high places (a cupola and tall chimney) needing coverage prior to the installation of a new roof. Next a solar team removed the existing solar panels. The roofing team then removed the old roof and installed a beautiful and sturdy 24-gauge Galvalume standing seam metal roof, along with a solar-powered attic fan. Finally, the solar panels were reinstalled and reactivated. The final product is an exceptional combination of high-quality materials and workmanship at a very competitive price. I'm so very happy with the work that PITCH Roofing has done!

Spinner Fun
Spinner Fun
May 29, 2026

Pitch Roofing is an excellent company to work with. Everything was explained up front and communication has been excellent. The service was fast and friendly as well. I would recommend them.

badges about PITCH roofing

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5.0
Read our 274 Partner Reviews
joan marie leverone
joan marie leverone
August 25, 2026

Kevin showed up within 15 minutes. Found the problem and fixed. Did not try to sell me anything I didn't need. Pitch is now my go to for repairs and I will certainly recommend this company to anyone who needs roofing.

Billy Bob (Reverand)
Billy Bob (Reverand)
August 11, 2026

I think I have used PITCH Roofing more than any other company or service since I relocated to Florida. Always top notch service at a great price!

Mayra Martinez-Fernandez
Mayra Martinez-Fernandez
July 28, 2026

The work was done quickly and professionally. The roof looks amazing. They also completed a project to reduce the heat transfer of my lanai aluminum roof. The price was reasonable and the salesperson, Kevin, extremely responsive and helpful.

Michael Clayton
Michael Clayton
July 13, 2026

I did extensive research on pricing; quality of materials within a comparable scope of work. I contacted and directly communicated with at least five other roofing companies for the replacement of my residential roof and PITCH had the best price; highest quality materials and best warranty when compared with all the other competitors within a comparable scope of work. Their staff is responsive and kind. Ron Olsen, the CEO, followed through with everything promised. Go with Pitch Roofing. MC aka WA

Anita Sobral
Anita Sobral
July 7, 2026

I had a wonderful experience with Pitch Roofing. Ron, Caitlin, and Kevin were caring, attentive and professional. They went above and beyond to ensure a timely delivery of the new roof. The roof looks beautiful and I received several compliments from my neighbors. A special thank you to Kevin, my sales manager, for his dedication and attention to detail. Thank you, Pitch Roofing!

Carrie Stinchcomb (Carries55)
Carrie Stinchcomb (Carries55)
June 24, 2026

Pitch Roofing did an outstanding job on my roof! Owner Ron was fantastic — super helpful, honest, and walked me through everything clearly every time I talked to him. Caitlin was great with updating keeping in touch and always friendly and responsive, and she even sent me pictures of all the work they completed. The crew was professional, the work was excellent, and the price was honestly the best around. Couldn’t be happier with the results. Highly recommend Pitch Roofing!

John B
John B
June 17, 2026

I've had three roofs done in my lifetime. This one was the nicest of the three. No issues at all. The county inspector was impressed with the work. They put down tarps around the house and over the pool. Left my yard cleaner than it was when they arrived. Highly recommend.

Miguel Garay
Miguel Garay
June 7, 2026

Pitch Roofing Company is the best in roof business Mike and Caitlin GREAT TEAM Thank you very much for your support

Dan K.
Dan K.
June 3, 2026

PITCH Roofing did an amazingly great job of replacing my old roof. In the initial phase they discussed options and presented material samples, and once I made a decision they organized and scheduled the tasks needed to complete this complex project. Painters were brought in to paint the high places (a cupola and tall chimney) needing coverage prior to the installation of a new roof. Next a solar team removed the existing solar panels. The roofing team then removed the old roof and installed a beautiful and sturdy 24-gauge Galvalume standing seam metal roof, along with a solar-powered attic fan. Finally, the solar panels were reinstalled and reactivated. The final product is an exceptional combination of high-quality materials and workmanship at a very competitive price. I'm so very happy with the work that PITCH Roofing has done!

Spinner Fun
Spinner Fun
May 29, 2026

Pitch Roofing is an excellent company to work with. Everything was explained up front and communication has been excellent. The service was fast and friendly as well. I would recommend them.

badges about PITCH roofing

Compare Florida Roof Financing & Assistance Programs

Find the right financial solution for your roof replacement project

ProgramKey Features & BenefitsEligibility & RequirementsBest For
Pinellas County Homeowner Rehabilitation ProgramUp to $375,000
Low Rates (6-13%)
Repay via Property Tax

Part of the “People First Hurricane Recovery Program” with $813M in federal funding. Offers up-front funding or reimbursement for hurricane damage repairs.

Households affected by hurricanes Idalia, Helene, or Milton. Income-based: up to 80% AMI (~$83,450 for family of 4) receives most funds. Applications open Oct 20, 2025.Pinellas County residents with significant hurricane damage needing major repairs or full roof replacement.
PACE FinancingNo Credit Check
100% Project Funding
No Upfront Cost

Repayment as an assessment on your property tax bill. Specifically for energy efficiency and hurricane resilience improvements.

Florida homeowners. Not based on personal credit score. Must work with PACE-approved contractors. Must be current on mortgage and property taxes.Homeowners seeking accessible financing without credit checks, wanting to fund entire project with manageable long-term payments.
My Safe Florida Home ProgramGrant (Not a Loan)
Up to $10,000
Lower Insurance Premiums

Free money from the state for wind mitigation improvements. PITCH is an approved contractor for this program.

Florida homeowners meeting specific criteria. For wind mitigation improvements like a new resilient roof. Requires working with approved contractors.Homeowners wanting free state funding to offset roof costs while improving home safety and potentially lowering insurance rates.
Sunrise of St. PeteLocalized Initiative
Hurricane Recovery
Available Now

Community-focused program providing financial assistance for hurricane damage restoration, including new roofs.

St. Petersburg residents affected by recent hurricanes. Specific criteria apply. Functions as a Florida loan for hurricane recovery.St. Petersburg residents with hurricane damage needing restoration assistance through a community-based program.
Flexible Contractor FinancingManageable Payments
Competitive Rates
Various Plans

Partner lender programs that break down costs into monthly payments. Tailored to different budgets and financial situations.

Typically involves a standard credit application. Available through reputable roofing contractors who partner with lenders.Homeowners who may not qualify for other programs but need flexible payment options to make a roof replacement affordable.

Pro Tips for Navigating Roof Financing

1. Start Preparing Documentation Early

For programs like the Pinellas County Homeowner Rehabilitation Program (opening Oct 20, 2025), gather your documents now. You’ll likely need proof of income, home ownership, insurance claims for hurricane damage, and estimates for repair work. Being prepared will give you a significant advantage when applications open.

2. Understand the Difference Between Grants & Financing

Grants (like My Safe Florida Home) are free money you don’t repay. Loans and PACE financing must be repaid. PACE is unique—it’s not based on credit but becomes a property assessment repaid with your taxes. Choose what fits your financial situation.

3. Work With Approved Contractors

Many programs (PACE, My Safe Florida Home) require you to work with approved contractors. As a PACE-approved contractor and an approved contractor for the My Safe Florida Home Program, PITCH can guide you through the entire process from application to completion, ensuring you meet all requirements.

4. Consider Long-Term Value Beyond Just Cost

A new roof isn’t just an expense—it’s an investment. Many programs fund improvements that increase energy efficiency and hurricane resilience, which can lower insurance premiums and increase property value. Consider these long-term benefits when evaluating financing options.

5. Explore All Local Options

Don’t overlook community-specific programs like Sunrise of St. Pete. Local initiatives often have less competition and are tailored to area-specific needs. Check with your county and city housing departments for programs that might not be widely advertised.

Florida Roof Financing FAQs

What is the main advantage of PACE financing for a roof replacement?

The primary advantage of PACE (Property Assessed Clean Energy) financing is that it doesn’t require a credit check for approval. Instead of being based on your personal credit score, the repayment is structured as an assessment on your property tax bill over a set period. This makes it a highly accessible option that can fund 100% of your roof project with no upfront costs, specifically for improvements that enhance energy efficiency and hurricane resilience.

Is the My Safe Florida Home Program a grant or a loan?

The My Safe Florida Home Program offers a grant, not a loan. This means it’s free money from the state that you don’t have to repay. Eligible homeowners can receive up to $10,000 for crucial wind mitigation improvements, including a new, resilient roof. PITCH Roofing is a proud approved contractor for this program and can help guide you through the application process to maximize your benefits.

When can I apply for the Pinellas County Homeowner Rehabilitation Program?

Applications for the Pinellas County Homeowner Rehabilitation & Reconstruction Program are scheduled to open on October 20, 2025. This program is part of the new “People First Hurricane Recovery Program” funded by an $813 million federal grant. Homeowners affected by recent hurricanes like Idalia, Helene, and Milton are encouraged to gather documentation and monitor official Pinellas County resources to prepare for the application process.

What if I don’t qualify for PACE or specific grant programs?

If you don’t qualify for PACE or specific grant programs, there are still flexible financing options available. Many reputable roofing contractors partner with lenders to offer plans that break down the total cost into manageable monthly payments. While these typically involve a standard credit application, they provide a straightforward path to securing your new roof with competitive rates and terms tailored to various budgets.

How does PITCH Roofing help with these financing options?

PITCH Roofing provides comprehensive guidance through the entire financing process. We are PACE-approved contractors and approved contractors for the My Safe Florida Home Program. Our team helps with initial applications, understands program requirements, and ensures proper installation to meet all guidelines. With over 60 years of combined experience, we help you navigate these options to find the best solution for your roof replacement needs.

Are there programs available for non-hurricane related roof replacements?

Yes. While some programs like the Pinellas County program and Sunrise of St. Pete target hurricane recovery, other options have broader eligibility. PACE financing is available for energy efficiency and resilience improvements regardless of damage cause. Flexible contractor financing is also available for any necessary roof replacement. The My Safe Florida Home Program focuses on wind mitigation, which is valuable for all Florida homes regardless of prior damage.

WHY PITCH?

Choosing PITCH Roofing is your way to safeguard your investment in your property. Founded by roofing experts with over 60 years of combined experience, we provide comprehensive Florida roofing services, including roof replacements, repairs, and storm damage restoration, to name a few of our most popular services.

At Pitch, we know that we offer our customers the best deals possible. Between the exclusive warranties we can offer as Owens Corning Preferred Contractors and our high-value Black Tie Program, getting the roofing services you need has never been easier. When you need local pros who know how to help, PITCH Roofing is there to get your roof in top shape and give you the peace of mind that you’ve been missing.