Replacing a roof is one of the biggest home projects you’ll do. In 2026, there are more ways than ever to reduce out-of-pocket costs if you know where to look: state rebate programs, federal tax-credit rules that changed recently, local grants for qualifying homeowners, and flexible financing so a new roof doesn’t destroy your monthly budget. We wrote this guide to walk you through the real options available in Indiana right now and to explain how Stay Dry Roofing helps you claim rebates, understand tax rules, and pick the financing that’s right for your family.
What’s available in 2026
- Indiana has launched statewide energy and home-repair rebate efforts that can include discounts applied at installation when you work with a qualified contractor.
- Federal energy tax credits that helped homeowners in prior years were scheduled through 2025; those rules changed and may affect eligibility for 2026 projects always verify the current IRS guidance before you plan.
- Local and community programs (city-level repair grants, utility foundation funds, housing revitalization grants) can provide direct assistance for roof replacement for income-qualified homeowners.
- If you don’t have the cash up front, there are many financing options Stay Dry Roofing offers flexible plans to help turn the project into affordable monthly payments.
Below we break each piece down so you can make a smart, confident choice.
State rebates & Indiana’s Energy programs
Indiana has committed federal and state funding to help homeowners lower energy costs and improve home comfort. The Indiana Energy Saver initiatives create two main rebate tracks (energy-efficiency upgrades and appliance-related rebates) and, critically, many rebates are paid as an upfront discount at the time of purchase or installation not a rebate you have to wait months to get back. To use these programs, work with a participating, qualified contractor so the discount appears directly on your invoice.
What this means for roofing: if your new roof includes energy-efficient products (cool-roof shingles, reflective coatings, improved attic ventilation, or insulation upgrades tied to the roof), it may qualify for rebate dollars or program incentives. Eligibility depends on product specifications, installation practices, and whether a program specifically includes roofing as a qualifying measure.
Action step: Before ordering materials, ask us to confirm whether the roof system you want meets the current program criteria so we can apply rebates on your invoice.
Federal tax credits
Federal energy tax credits have been a big help to homeowners who installed qualifying energy upgrades. Those credits have had specific sunset dates and program rules that have changed over recent legislation. The IRS has published the Energy Efficient Home Improvement Credit information and dates; homeowners should confirm the latest IRS guidance before claiming credits or making assumptions about a 2026 project. Because federal law can change year to year, we always recommend checking the IRS page or consulting your tax professional for work completed in 2026.
What homeowners should know:
- Some credits are percentage-based (e.g., a share of qualifying costs) with yearly maximums.
- Credits typically require documentation: manufacturer labels, product model numbers, and a contractor’s invoice describing the qualifying work.
- If a credit expired at the end of 2025, similar incentives could be reauthorized later don’t assume; confirm.
If you hope to pair a tax credit with a state rebate, let us coordinate documentation at installation so you’ll have everything your tax preparer needs.
Local grants and nonprofit programs
Beyond statewide rebates, many Indiana cities and nonprofit grant programs offer repair funds for eligible homeowners. Programs like Owner-Occupied Rehabilitation Grants administered through local Community Development Block Grant (CDBG) partners can fund necessary structural repairs, including roof replacement for qualified applicants. Utilities and foundations in the region have also announced repair funds to address home energy and safety needs. These programs often have income limits, geographic requirements, and an application process but they can dramatically lower your cost.
Action step: If you think you might qualify for a local repair grant, tell us when you request your free inspection. We will help identify programs in your area and provide the documentation (estimates, scopes, photos) grant administrators need.
Financing
A new roof is a big investment but you don’t have to pay all at once. Stay Dry Roofing offers multiple financing solutions designed for Indiana homeowners, with options that can deliver monthly payments as low as the examples shown on our site. Typical choices across the industry include short-term 0% promotions, extended-term loans with fixed monthly payments, lines of credit, and lender partnerships that do not require home-equity. We’ll review options tailored to your credit profile and budget and help you complete any lender paperwork during the estimate process.
How we help:
- We explain lender terms in plain English (APR, term length, payment schedule).
- We work with reputable trade lenders, so financing is integrated into your project timeline.
- We can often get preliminary answers quickly so you can decide without stress.
Eligibility, documentation & the installation process
Whether you’re applying for a state rebate, a local grant, or claiming a federal tax credit, documentation is crucial. Typical items you’ll need include: contractor invoice with line-item costs, product model numbers and manufacturer cut-sheets, proof of contractor certification (if the program requires a qualified installer), and before/after photos. Many rebate programs require ENERGY STAR or specific product ratings we’ll check that for you before we install.
Why hiring a qualified, program-savvy contractor matters: When a rebate or incentive calls for a certified installer, using a contractor who understands the program means fewer surprises, faster processing, and a correct installation that preserves your warranty.
Common homeowner questions answered
Will a new roof disqualify me from a program?
No a properly specified, energy-efficient roof can help you qualify. But you must pick qualifying products and follow the program’s installation rules.
How long do rebates take?
Many Indiana programs apply the rebate as an upfront discount through participating contractors, which reduces paperwork and wait times. Other grants or tax credits can require post-installation paperwork. We’ll explain the route for your specific project.
Can financing and rebates be combined?
Yes financing covers any balance after rebates or grants are applied. We’ll structure the paperwork, so you only finance the net cost.
Why choose Stay Dry Roofing to handle rebates, credits & financing
We’re local, licensed, and experienced with the documentation side of incentives. We handle free inspections, detailed written estimates, manufacturer-certified installations, and can walk you through the rebate or tax-credit documentation at signoff. Our team will also review financing choices with you during the estimate, so you understand the monthly payment and total cost before any work begins. You can request an appointment or ask about financing on our website or by phone.
Final checklist before you replace your roof in 2026
- Get a free in-person inspection so we can recommend qualifying products and list any improvements that affect rebate eligibility.
- Ask which rebates or grants apply to your address we’ll identify state, local, and utility programs to consider.
- Confirm current federal tax-credit rules with your tax advisor or the IRS website before counting them as savings.
- Compare financing offers and ask us to structure the financing around the net cost after rebates.
If you want help right now, we’ll perform a free roof inspection, verify program eligibility for your home, estimate savings, and show financing options side-by-side so you can choose what’s best for your family. Protecting your home and saving money don’t have to be separate goals we help you achieve both.
Call Stay Dry Roofing at 317-308-7773 or request a free estimate on our site to get started.