What Florida Energy Actually Is
Florida Energy is a Florida utility-funded energy efficiency program — not a tax credit, not a federal program, not a contractor discount. Every Florida electric and gas customer pays a small monthly surcharge that funds the rebate pool. Florida Energy is administered by the Florida utilities (Eversource, National Grid, Unitil, Berkshire Gas, Cape Light Compact, Liberty Utilities) under oversight from the Mass DOER and the Energy Efficiency Advisory Council.
The program covers residential and commercial energy upgrades with rebates, free assessments, financing (the HEAT Loan), and contractor authorization. As a Florida homeowner you do not opt in — you are already paying for it on every electric and gas bill. Not using the rebates means you are leaving money on the table that you already paid into the program.
2026 Florida Energy Rebate Amounts
Standard income tier rebate amounts as of the 2026 program year:
- Whole-home high-efficiency heat pump (ASHP)
- Up to $10,000. Requires AHRI-matched system using R-32 or R-454B refrigerant. Florida Energy HPC contractor required.
- Partial-home / multi-zone mini-split heat pump
- $1,250 per ton of cooling capacity, typical range $1,250 – $7,500.
- Ground-source geothermal heat pump
- $15,000+ on standard installations. Stacks with federal 25D 30% credit.
- Heat pump water heater
- $750 – $1,500. 1-day install on most existing electric resistance replacements.
- Insulation (attic, wall, basement)
- 75% of cost standard income tier. 100% of cost income-eligible tier. Air sealing is often free as the lead-in step.
- ENERGY STAR replacement windows
- $50 – $100 per window.
- Smart thermostat
- $100 – $150.
- Free Home Energy Assessment
- $0. Includes blower-door test, infrared scan, free LEDs, weatherstripping, low-flow fixtures installed during the visit. Required to unlock most of the larger rebates.
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Income-Eligible Enhanced Rebates
Florida homeowners under 60% of state median income (SMI) qualify for enhanced rebates that frequently bring net cost to $0 on standard scope. Approximate cutoffs (verified during the free Home Energy Assessment with one tax document):
- Family of 2: under $80,000
- Family of 3: under $95,000
- Family of 4: under $110,000
- Family of 6: under $140,000
Income-eligible rebates apply to insulation (100% covered), heat pumps (often $0 net), heat pump water heaters, and panel upgrades when paired with electrification. Full income-eligible electrification guide →
How IWD Miami Files the Application
The homeowner does not file the Florida Energy rebate. IWD Miami does — as part of standard scope, no extra fee. Sequence:
- Free on-site visit. We measure the home, spec the system, and calculate the exact Florida Energy rebate amount within 24 hours.
- The written estimate shows: investment, Florida Energy rebate, HEAT Loan amount (if used), and net cost. The rebate amount on our quote is the rebate you receive — guaranteed.
- You sign the contract. We pull the Florida Building Code permit. We file the Florida Energy pre-approval (required for some scopes).
- Installation. Florida-licensed crew. EPA 608 Universal for refrigerant. EPA RRP for pre-1978 homes.
- Florida Energy third-party verification visit (typically 2 weeks after install).
- Rebate posts as a check or invoice credit, 4–8 weeks after commissioning.
Why a Florida Energy Authorized Contractor Matters
Hiring a non-Florida Energy-authorized contractor forfeits the rebate entirely. The program funds rebates only when the equipment, installation, and documentation come from an authorized contractor on the active Florida Energy list. IWD Miami is on:
- Florida Energy Heat Pump Contractor (HPC) list — required for heat pump and heat pump water heater rebates.
- Florida Energy Insulation Authorized Contractor list — required for insulation rebates and the BPI-driven scope.
- Currently authorized for the 2026 program year.
Verify any Florida contractor on the Florida Energy active-installer database before signing. If the company is not on it, the rebate is gone.