If you are a veteran or active-duty service member in Florida, several programs can help you pay for a new roof or major roof repairs. From federal VA grants to state programs and private assistance, this guide covers every option available to military families in South Florida.
VA Specially Adapted Housing (SAH) Grant
The VA Specially Adapted Housing Grant is the most generous housing assistance program available to disabled veterans. It provides up to $101,754 in 2026 for veterans with qualifying service-connected disabilities to modify their homes for accessibility. While primarily designed for accessibility modifications, the grant can cover roof replacement when it is part of a broader home adaptation project.
Who qualifies. Veterans with service-connected disabilities including loss or loss of use of both lower or upper extremities, blindness in both eyes, certain severe burns, or certain respiratory injuries. The disability must be rated by the VA. Contact your regional VA office to determine eligibility.
How to apply. Submit VA Form 26-4555 through your regional VA office or online at va.gov. The VA assigns a case worker who guides you through the process, including working with your contractor. Processing typically takes 4 to 8 weeks.
My Safe Florida Home Grant
This state-funded program provides matching grants up to $10,000 for hurricane hardening improvements, including roof upgrades and replacement. The state pays 50 percent of qualifying work up to $10,000, so a $20,000 roof project would receive the full $10,000 grant.
Who qualifies. Any Florida homeowner, including veterans, who owns an owner-occupied single-family home built before 2008 with an insured value under $700,000. You must have an active homeowners insurance policy.
Why veterans should apply. This grant is available to all qualifying Florida homeowners regardless of military status, which means veterans can stack it with military-specific benefits. Combined with Goliath's 10 percent military discount and an insurance claim, many veteran families pay very little out of pocket.
How to apply. Goliath Roofing handles the application process for you. We complete the required home inspection, submit the paperwork, and coordinate the qualifying work. Call us at (330) 518-9552 to get started.
VA Home Loan Cash-Out Refinance
If you purchased your home with a VA loan or have a conventional mortgage, a VA cash-out refinance lets you tap your home equity to pay for a new roof. VA loan interest rates are typically lower than conventional rates, and there is no private mortgage insurance requirement.
How it works. You refinance your existing mortgage for more than you owe and receive the difference in cash. For example, if you owe $200,000 on a home worth $350,000, you could refinance for $250,000 and receive $50,000 in cash to pay for a roof replacement and other home improvements.
Advantages for veterans. Lower interest rates than conventional refinancing, no PMI, flexible credit requirements, and the ability to finance up to 100 percent of your home's value in some cases. Contact your VA lender or any VA-approved lender to explore options.
Habitat for Humanity Veterans Build
Habitat for Humanity operates a Veterans Build program that provides free or reduced-cost home repairs for qualifying veteran families. Roof replacement and repair are among the most common projects completed through this program.
Who qualifies. Income-eligible veteran families in the service area. Eligibility is based on household income, typically at or below 80 percent of area median income. The home must be owner-occupied and in need of critical repairs.
How to apply. Contact your local Habitat for Humanity affiliate in South Florida. The application process includes income verification, a home assessment, and a determination of repair needs. Wait times vary by location and funding availability. Goliath Roofing can help you identify your local affiliate and understand the application process.
Goliath Roofing's Veteran Commitment
Beyond helping veterans navigate these programs, Goliath Roofing offers direct benefits to military families.
10 percent military discount. Applied to all roofing services for active-duty, veterans, reservists, National Guard members, and military spouses. This discount stacks with insurance claims, financing, and grant programs.
Priority scheduling. Active-duty service members and veterans receive priority scheduling for inspections and project start dates. We understand that military families often have time-sensitive needs related to PCS moves, deployments, and VA timelines.
Program navigation assistance. We help veteran families identify every program they qualify for, assist with applications, and coordinate the paperwork. Many of our veteran customers have paid less than $1,000 out of pocket for a full roof replacement by combining available programs.
How to Get Started
Call Goliath Roofing at (330) 518-9552 to schedule your free veteran's roof assessment. We will inspect your roof, evaluate your situation, identify every program you may qualify for, and help you apply. There is no cost and no obligation for the consultation.
Frequently Asked Questions
What is the VA Specially Adapted Housing Grant?
The SAH Grant provides up to $101,754 for disabled veterans to modify their homes, including roof replacement as part of broader accessibility improvements. Contact your regional VA office or visit va.gov to check eligibility.
Does Goliath Roofing offer a military discount?
Yes. 10 percent military discount on all services for active-duty, veterans, reservists, National Guard, and military spouses. Can be combined with insurance claims, financing, and grants.
Can I combine multiple veteran programs to pay for a new roof?
Yes. Many veterans combine the My Safe FL Home grant, insurance claims, the military discount, and VA refinancing to minimize out-of-pocket cost. Goliath helps you stack every program you qualify for.