Washington Roofing Rebates, Tax Credits, and Insurance Discounts (2026 Master List)

Washington homeowners replacing or upgrading their roof in 2026 may qualify for significant savings through federal tax credits, utility rebates, and insurance discounts. This master list covers every current program available in the state.

Federal Tax Credits

Energy Efficient Home Improvement Credit (25C)

The Inflation Reduction Act extended and expanded energy-efficient home improvement tax credits through 2032.

Eligible roofing upgrades:

• Energy Star-certified metal roofing
• Energy Star-certified asphalt shingles (cool roof)
• Cool roof coatings that meet Energy Star reflectivity standards

Credit amount: 30% of material cost (not including installation labor), up to $150 for roofing materials per year

How to claim: File IRS Form 5695 with your federal tax return. Keep receipts and manufacturer certification statements.

Important notes:

• Only materials meeting Energy Star criteria qualify
• The credit is non-refundable — you must owe taxes to benefit
• Maximum $1,200 total for all energy-efficient home improvements annually (roofing is part of this cap)
• Available through tax year 2032

Residential Clean Energy Credit (25D)

If you're installing solar panels as part of a roofing project:

Credit amount: 30% of total solar installation cost (including roofing modifications required for solar)

This is a separate credit from the 25C energy efficiency credit — you can claim both.

Washington State Programs

Weatherization Assistance Program

Washington's weatherization program helps income-qualifying homeowners with energy efficiency upgrades that may include roofing-related insulation.

Eligibility: Household income at or below 200% of the federal poverty level

Services may include: Attic insulation, air sealing, ventilation improvements

Contact: Your local Community Action Agency

Utility Rebates

Washington utilities offer various energy efficiency rebates:

Puget Sound Energy (PSE):

• Insulation rebates when upgrading attic insulation during a re-roof
• Air sealing rebates
• Check pse.com for current programs

Seattle City Light:

• Home energy assessments
• Insulation and weatherization incentives
• Visit seattle.gov/city-light for current offerings

Avista (Spokane/Eastern WA):

• Insulation rebates
• Weatherization assistance
• Details at myavista.com

Tacoma Power:

• Home weatherization programs
• Attic insulation incentives
• Visit tacomapower.com for current programs

Insurance Discounts

Impact-Resistant Shingle Discounts

Many Washington insurance companies offer premium discounts for Class 4 impact-resistant shingles:

• Typical discount: 5–20% off your homeowner's premium
• Qualifying products: UL 2218 Class 4 rated shingles (Malarkey Windsor, GAF Armor Shield, etc.)
• How to get it: Provide your insurer with the product specification sheet showing Class 4 rating
• Especially valuable in: Eastern WA where hail damage is more common

New Roof Discounts

Some insurers offer discounts simply for having a newer roof:

• Typical threshold: Roof under 5–10 years old
• Discount: 5–15% premium reduction
• Documentation: Provide proof of installation (contract, permit, inspection)

Fortified Roof Discount

The IBHS FORTIFIED designation provides significant insurance discounts:

• Requires specific installation methods for wind and impact resistance
• Discounts can reach 25–50% in some programs
• Growing availability in Washington State
• Requires certified contractor and third-party verification

Manufacturer Rebates

Major roofing manufacturers periodically offer consumer rebates:

GAF:

• Periodic rebate programs for specific product lines
• Check gaf.com/rebates for current offers

Owens Corning:

• Seasonal consumer rebate programs
• Financing promotions through certified contractors
• Check owenscorning.com for current offers

Malarkey (Portland-based, popular in WA):

• Regional promotions for Pacific Northwest homeowners
• Check malarkeyroofing.com for current offers

CertainTeed:

• Consumer rebate programs
• Solar integration incentives
• Check certainteed.com for current offers

Financing Programs

While not direct savings, these financing options reduce the upfront burden:

PACE Financing (Property Assessed Clean Energy)

• Available in participating Washington counties
• Energy-efficient roofing qualifies
• Repaid through property tax assessments over 10–25 years
• Transfers to new owner if you sell

Contractor Financing

Many WA roofing companies offer:

• 0% APR financing for 12–24 months
• Low-interest loans for 5–15 years
• Same-as-cash promotional periods

How to Maximize Your Savings

1. Stack incentives — Federal tax credits + utility rebates + insurance discounts can be combined
2. Choose qualifying materials — Energy Star certified products unlock the most programs
3. Upgrade insulation during re-roof — Adding attic insulation during a roofing project is cost-effective and may qualify for separate rebates
4. Ask your contractor about manufacturer rebates — they track current promotions
5. Contact your insurer before choosing materials — know which products earn premium discounts
6. Document everything — Keep receipts, certifications, and product specifications for all claims
7. Consult a tax professional — Ensure you're claiming credits correctly

Every dollar saved on your roofing project matters. Take the time to research and claim every rebate, credit, and discount you're entitled to — the savings can be substantial.