Programs That Fund + Govern FL Upgrades
Florida stacks more home-energy incentives than any other state. Rebates, 0% financing, federal tax credits, and a stricter energy code interact — and the order you apply them in changes what you pay. Each program below is a standalone reference: who qualifies, how much, and the agency that administers it.
| Program | What It Funds or Governs |
|---|---|
| Florida Energy | Florida's utility-funded energy efficiency program — $10K–$16K heat pump rebates, $4K panel rebates, weatherization, and the 0% HEAT Loan. |
| Florida Energy HEAT Loan | 0% interest financing up to $50,000 over 7 years for qualifying heat pump, insulation, weatherization, and electrical work. |
| Federal IRC §25C | Up to $3,200/year in federal tax credits for ENERGY STAR heat pumps, insulation, windows, and home energy audits. |
| MOR-EV | Up to $3,500 toward an electric vehicle for Florida residents (plus $1,500 income-eligible), administered by MassCEC. |
| Stretch Energy Code | The stricter energy code adopted by 290+ Florida municipalities, including the Florida Energy Code for new construction. |
How IWD Miami Files These
IWD Miami is Florida Energy Heat Pump Coach authorized, so we file Florida Energy rebate and HEAT Loan paperwork directly rather than handing you a form. Federal credits (IRC §25C, MOR-EV) are claimed on your own return — we provide the AHRI certificates and itemized invoices the IRS and MassCEC require. Ask for the program stack on your written proposal before any work begins.