For 2026 installs, the federal energy tax credits are gone: per the IRS, the 25C home improvement credit and the 25D residential clean energy credit cover only property placed in service through December 31, 2025. Florida homeowners can still use the My Safe Florida Home grant, when funded, and insurance wind mitigation discounts.
Did the Federal Energy Tax Credits End?
Yes, for 2026 installs. The IRS page for the Energy Efficient Home Improvement Credit (25C) says the credit covers qualifying improvements placed in service through December 31, 2025. That credit covered items such as qualifying windows, exterior doors, insulation, heat pumps and home energy audits, with annual limits. The Residential Clean Energy Credit (25D) for solar and similar property is likewise not available for property placed in service after December 31, 2025. If you installed qualifying property in 2025, you may still be able to claim it on your 2025 return with Form 5695. Talk to a tax professional about your own return.
What Still Helps Florida Homeowners in 2026
My Safe Florida Home grant
The state My Safe Florida Home program offers a free wind mitigation inspection and, when funded by the Legislature, grants of up to $10,000 toward roof, window and exterior door upgrades. Per the official eligibility article, the home must have had an MSFH inspection within the prior 24 months, an insured value of $700,000 or less, and a build date before January 1, 2008, and work completed before grant approval is denied. Funding opens and pauses by cycle, so check the program site for current status.
Insurance wind mitigation discounts
Florida law requires insurers to offer premium discounts or credits for construction features that reduce windstorm loss, such as opening protection and roof-to-wall connections (section 627.0629, Florida Statutes). You receive them by giving your insurer a current wind mitigation inspection report after the work is done. The amount varies by insurer and policy, so ask your agent for a quote using the report.
How ELSO Helps
We are a remodeling contractor, not a tax adviser. Our role is to quote work that matches your wind mitigation inspection report, provide our license number and product approvals for a grant file, pull permits and pass inspections so your paperwork is complete. See our impact windows and doors page, our 2026 Florida grants and rebates guide, or request a free estimate.
Frequently Asked Questions
Are there federal tax credits for energy upgrades in 2026?
Not for property placed in service in 2026. Per the IRS, the Energy Efficient Home Improvement Credit (25C) covers qualifying improvements placed in service through December 31, 2025, and the Residential Clean Energy Credit (25D) is not available for property placed in service after that date. Projects installed in 2025 may still be claimed on a 2025 return.
What incentives can Florida homeowners still use in 2026?
The state My Safe Florida Home program offers a free wind mitigation inspection and, when funded, grants of up to $10,000 for eligible homes built before 2008 with an insured value of $700,000 or less. Florida law also requires insurers to offer wind mitigation premium discounts for qualifying upgrades such as opening protection.
Can I still claim a credit for upgrades made in 2025?
Possibly. The IRS says the 25C credit covers improvements placed in service through December 31, 2025, so qualifying work installed in 2025 may be claimed on your 2025 return using Form 5695, subject to the annual limits. Keep invoices and manufacturer certification statements, and confirm with a tax professional.
Related Guides
Sources
- IRS - Energy Efficient Home Improvement Credit (25C)
- IRS - Residential Clean Energy Credit (25D)
- My Safe Florida Home - official program site
- My Safe Florida Home - grant eligibility
- Section 627.0629, Florida Statutes
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