Roofing — $0 down financing
A new, code-compliant roof built for Florida storms — financed with $0 down through PACE.
- Licensed
- Insured
- Financing options
- $0 down
$0 down availableFlorida's insurance crisis means aging roofs are a top cause of non-renewal; a new code-compliant roof is both a resilience and an insurability play, especially in the HVHZ counties.
In Florida, the roof is not just the top of your house — it is the single most important piece of your home's defense system. It is the first thing a hurricane attacks, the first thing your insurance company asks about, and one of the biggest factors in whether your policy gets renewed at all. APEX Project connects Florida property owners with vetted, licensed, insured roofing contractors and arranges the financing so a full, code-compliant replacement doesn't have to wait until the next storm forces the decision for you.
To be clear about who we are: APEX is an independent contractor-matching and financing service, not a roofing company, a lender, or a PACE administrator. We don't swing hammers and we don't approve loans. What we do is match you with qualified local roofers who pull permits in your county, and structure financing that fits the job — most often PACE, which lets eligible owners replace a roof with $0 down and repay it over time through their property-tax bill rather than a large upfront check or a high-interest credit line.
Roof replacement is one of the most widely approved PACE projects in the state, because a properly engineered, code-compliant roof is exactly what Florida's wind-resistance statute was written to encourage. Whether you're staring at an aging shingle roof that's costing you sleep every hurricane season, dealing with leaks and curling tabs, or facing an insurer who says your roof is "too old to renew," the path from problem to a finished, warrantied roof is shorter and more affordable than most owners assume.
Why it matters in Florida
Florida runs the harshest roofing environment in the continental United States, and Miami-Dade sits at the very top of it. The High-Velocity Hurricane Zone (HVHZ) covering Miami-Dade and Broward enforces the strictest roofing requirements in the country — product approvals, enhanced fastening, secondary water barriers, and inspection steps that don't exist elsewhere. On top of hurricane-force wind, roofs here endure relentless UV, heat, and humidity that age asphalt shingles far faster than in a northern climate, plus wind-driven rain that exposes every weak seam. The bigger driver right now is insurance. Florida's property-insurance market has tightened dramatically, and carriers weigh roof age and wind rating more heavily than almost anything else. Many insurers will non-renew or refuse to write a policy on a roof past a certain age regardless of condition, and a failed roof inspection can leave you scrambling. A new, code-compliant, wind-rated roof is therefore two things at once: a resilience upgrade that protects everything underneath it, and an insurability play that can keep you covered, may earn wind-mitigation credits, and helps you avoid being forced into the high-cost market. In Florida, the roof decision is rarely just about leaks — it's about whether your home stays insurable and standing.
Why homeowners choose this
Built for hurricane-force wind
A new roof matched to your county's code — including HVHZ requirements in Miami-Dade and Broward — is engineered to handle the wind loads Florida storms actually produce, with proper fastening and a secondary water barrier under the surface.
Protects your insurability
Roof age and wind rating are leading reasons Florida policies get non-renewed or declined. A new code-compliant roof directly addresses the issue carriers care about most and can keep you in a standard policy.
Potential wind-mitigation credits
Features like an upgraded roof-to-wall connection, secondary water barrier, and approved roof covering can qualify for wind-mitigation credits on your premium when documented on an inspection form. Savings vary by carrier and home — your roofer and inspector confirm what applies.
$0-down PACE financing for eligible owners
Because a wind-resistant roof qualifies under Florida's PACE statute, eligible owners can do the full job with no money down and repay it over the roof's lifespan through the property-tax bill — not a lump-sum check or a credit card.
Cool-roof options that cut cooling bills
Reflective shingles, tile, and metal roofing reduce attic heat gain, which eases the load on your A/C — the single largest line on most Florida power bills. This energy benefit is part of why roofing fits cleanly within PACE.
Licensed local roofers, not storm-chasers
After every major storm, out-of-state crews flood the state, take deposits, and vanish. APEX matches you with vetted, Florida-licensed and insured contractors who pull permits in your county and stand behind warranties locally.
From match to done
- 1
Tell us about your roof
Share the basics — your location, roof age, material, and whether you're dealing with leaks, storm damage, or an insurance deadline. There's no cost and no obligation to get matched.
- 2
Get matched with a vetted roofer
We connect you with a licensed, insured Florida roofing contractor who works in your county and understands local code, including HVHZ rules where they apply. They inspect the roof and scope the real job — not a guess over the phone.
- 3
Review your estimate and financing
Your contractor provides a written estimate. We help you understand your financing options — most often $0-down PACE for eligible owners, repaid on the tax bill, or a consumer $0-down program if PACE doesn't fit. PACE eligibility depends on your property and equity, and is confirmed by the program administrator, not by us.
- 4
Permit, tear-off, and installation
The contractor pulls permits and schedules the work. Old roofing comes off down to the deck, damaged decking is replaced, the secondary water barrier and new covering go on to code, with required inspections along the way — typically a matter of days for most homes.
- 5
Final inspection and your paperwork
A final inspection signs off the job. You get your manufacturer and workmanship warranties, and — importantly in Florida — the documentation (including a wind-mitigation inspection where applicable) to take to your insurer.
What's included
- Full tear-off and replacement of an aging or failing roof
- Asphalt shingle, concrete or clay tile, and standing-seam or other metal roofing options
- Storm-damaged roof rebuild, including insurance-claim coordination where applicable
- Roof deck inspection and replacement of rotted or damaged decking
- Secondary water barrier (sealed roof deck) to code for added leak protection
- Enhanced fastening and product approvals required in HVHZ counties (Miami-Dade, Broward)
- Reflective / cool-roof materials for energy savings in heat-driven climates
- Permitting, required inspections, and wind-mitigation documentation for your insurer
Roofing financing — $0 down
For most Florida owners, the strongest option for roofing is PACE (Property Assessed Clean Energy). Under Florida statute s.163.08, hurricane-hardening and wind-resistance improvements qualify for PACE — and a code-compliant roof replacement is one of the most commonly approved projects in the program. The mechanics matter: PACE is not a personal loan and it is not a grant. It's a voluntary assessment added to your property and repaid through your property-tax bill, typically over a term aligned with the roof's useful life. That structure is what makes $0 down possible — there's no large upfront payment and no traditional credit-card-style debt. A few honest qualifiers. Eligibility is based mainly on your property and home equity rather than your credit score, but it is not automatic — it's confirmed by the PACE program administrator, not by APEX. The assessment stays with the property, so it's worth understanding how it interacts with a future sale or refinance. If PACE isn't the right fit for your situation, APEX can also point you to a consumer financing program with $0 down and low monthly payments. We arrange the match and explain the options clearly; we are not the lender or the PACE administrator, and we never present an estimate as a final approved figure.
$0
down payment
12–18 mo
no payments
Low
monthly on your tax bill
Roofing cost is highly variable and the figures below are illustrative typical ranges, not quotes. The biggest drivers are roof size (measured in squares), material (asphalt shingle is the most affordable; tile and metal cost more but last longer), roof complexity and pitch, the condition of the decking underneath, and HVHZ code requirements in Miami-Dade and Broward that add fastening and inspection steps. As a rough order of magnitude, full replacements on Florida homes commonly run from the high single-digit thousands for a smaller shingle roof to the tens of thousands for larger tile or metal roofs. Your only reliable number comes from an on-site inspection by your matched contractor.
APEX is not a lender, contractor, or PACE administrator; financing is provided by third parties and subject to eligibility.
Get matched for Roof — $0 down
Answer a few quick questions. No commitment, no credit hit.
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Roofing — questions
Can I really finance a whole new roof with no money down?+
For eligible owners, yes. Roof replacement is PACE-eligible in Florida as a wind-resistance improvement, so the full job can be done with $0 down and repaid over time on your property-tax bill. Eligibility is based mainly on your property and equity and is confirmed by the PACE administrator, not by APEX. If PACE doesn't fit, we can point you to a $0-down consumer financing program instead.
Will a new roof actually lower my insurance or help me get renewed?+
It frequently helps. Florida carriers weigh roof age and wind rating heavily, and an aging roof is a top reason for non-renewal. A new code-compliant roof addresses that directly and may earn wind-mitigation credits when documented on an inspection form. We can't promise a specific dollar amount — savings and renewal decisions are up to your individual carrier — but it's one of the most impactful things you can do for insurability.
What if my roof was damaged in a storm and insurance won't cover all of it?+
This is common. We can match you with a vetted contractor who handles storm rebuilds and coordinates with your claim. PACE financing can cover the portion insurance falls short on, so a coverage gap doesn't have to stop you from getting a safe, complete roof.
Do I need a special roof because I'm in Miami-Dade?+
Likely yes. Miami-Dade and Broward are in the High-Velocity Hurricane Zone (HVHZ), which requires approved products, enhanced fastening, and extra inspection steps that don't apply elsewhere in the state. A local, licensed roofer who works in your county will build to those exact requirements — one more reason to avoid out-of-county or out-of-state crews.
How long does a roof replacement take?+
For most homes, the actual installation is a matter of days once permits are in hand — though tile and larger or more complex roofs take longer. Permitting and inspection timelines vary by county. Your matched contractor gives you a realistic schedule after inspecting the roof.
Shingle, tile, or metal — which should I choose?+
It depends on budget, look, and how long you plan to stay. Asphalt shingle is the most affordable and widely used. Tile is durable and common on Florida homes but costs more and is heavier. Metal is long-lasting and performs well against wind and heat, at a higher upfront cost. Your contractor will walk through which options suit your home and your financing.
Is a 'cool roof' worth it in Florida?+
It can be. Reflective shingles, tile, or metal reduce attic heat gain, which lightens the load on your A/C — usually the largest line on a Florida power bill. The energy benefit is also part of why roofing fits within PACE financing. Whether it pays off depends on your home and material choice, which your roofer can help you weigh.
How is APEX different from a roofing company calling after a storm?+
APEX is not a roofing company and not a lender. We're an independent service that matches you with vetted, Florida-licensed and insured contractors and helps arrange financing. We're not the crews who knock on doors after a hurricane, take a deposit, and disappear — we connect you with established local roofers who pull permits and stand behind their work.
On your side — not the contractor's.
We're independent
Not a builder. We match you to the right contractor for your job — our incentive is your result.
Vetted network only
We work with licensed, insured, vetted Florida contractors.
Free for you
Our matching service costs property owners nothing.
Local to Miami
Miami-Dade specialists who know the permits and programs.
Ready to upgrade with $0 down?
Tell us about your project and we'll match you with the right contractor and financing.