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RoofPruf

Financing & incentives

A roof is a twenty-year purchase paid for in one month

That mismatch is the actual reason people defer roof work until it becomes an emergency, and an emergency roof always costs more than a planned one. There are three ways to close the gap: stage the payments, finance the project, or claim what national schemes already offer for energy work. Most of our customers use two of the three.

Ways to pay

Four routes, and what each really costs

  • Staged payments

    A deposit on signature against the confirmed dates and the materials order, a stage payment once the roof is stripped and the structure made good, and the balance on documented handover. No interest, no application, and never the full amount up front — be wary of anyone who asks for that.

  • Third-party financing

    Fixed-term instalment finance through established lenders in each market, typically over two to ten years. We show the total cost of credit alongside the cash price so you can see exactly what the convenience costs — the comparison a financing page usually hides.

  • If you think your policy covers it

    Storm, hail or impact damage may be covered by your own policy. Ask your insurer what evidence it requires and who it will accept as the author of it, before anything is disturbed — that answer, not ours, decides what is worth doing and in what order. We are not loss adjusters, we do not act for you, and we will not guess what your policy will do.

  • Energy incentive documentation

    Where a scheme exists, the technical evidence has to come from the contractor — U-value calculations, product declarations, correct classification of the works. We produce that pack as part of the job. Your accountant or tax adviser files it; we do not give tax advice.

National schemes

What the national schemes offer in 2026

Incentive schemes are where a roof project can get materially cheaper — and where getting the classification wrong is expensive. Here is the current shape of each.

Italy

Renovation deduction (detrazione ristrutturazione)

Rate
50% in 2026
Cap
Maximum eligible spend €96,000 per unit

The tax authority states 50% for a main residence in 2026 and 36% otherwise, spread over ten annual instalments, against a maximum eligible spend of €96,000 per unit. Three things decide whether your roof actually qualifies, and most roofing sites get the first one wrong. Replacing a covering without changing the materials, swapping damaged tiles and renewing waterproofing are all classified as ordinary maintenance — which is not deductible on a single dwelling at all, only on the common parts of a condominio. It becomes deductible when it forms part of a wider extraordinary maintenance or renovation, because the higher category absorbs the lower. Second, from 2025 a total deduction ceiling applies to higher incomes, so a €30,000 roof at 50% may not be fully recoverable. Third, payment must go by the dedicated bank transfer, which carries an 11% withholding and loses the deduction outright if it is filled in incompletely. Where the work is energy-saving, the ENEA filing is due within 90 days — though a late filing does not by itself forfeit the relief. Sconto in fattura and credit assignment were abolished for works started after 30 March 2024 and are not available for a normal roof today. Confirm your own position with a qualified tax adviser.

Slovenia

Energy renovation support

Rate
Scheme-dependent
Cap
Set by the call in force

Support for energy renovation of residential buildings is offered through national schemes whose terms, rates and eligibility change between calls. Insulation work forms the qualifying part rather than the covering itself. We prepare the technical evidence for whichever call is open when your project runs — check current terms before you rely on any figure.

Austria

Federal and provincial renovation support

Rate
Scheme-dependent
Cap
Varies by scheme and by Bundesland

Energy renovation support in Austria comes through federal and provincial programmes, and the provincial layer means the answer genuinely differs by address. As with the build-up specification itself, the applicable scheme is determined from where the property is, not from a national summary.

Incentive schemes change, sometimes at short notice and sometimes retroactively in their detail. Everything on this page is orientation, current as at the review date shown beside each figure. RoofPruf produces technical documentation; we do not provide tax, legal or financial advice, and you should confirm your own position with a qualified adviser before relying on any figure here.

Start with the survey. Decide after you have read it.

A fixed-fee survey, a written condition report with annotated photographs, a realistic remaining service life and a costed action list. Credited in full against your project if you go ahead — and still useful if you do not.

Book a roof survey Or see the packages first

Water coming in right now? Mark the enquiry urgent or write to hello@roofpruf.com, and stay off the roof — do what is safe from inside while we read it.