Marie Roseme, a dedicated home healthcare nurse and single mother of three boys—including one child in a special needs autism program—has called the Woodlands Country Club in Tamarac her home for four years. Like many Florida homeowners, Marie faced unexpected challenges when her roof began leaking, flooding her home and causing severe damage. After her insurance company denied her claim, Marie was left with no option but to cover her home with a blue tarp—an all-too-common sight for many residents struggling with costly repairs.
When the issue was reported to the City of Tamarac by her community association, Marie was desperate for a solution. She showed the city inspector how water poured into her home with every rainstorm, explaining the hardship she faced while trying to keep her family safe and dry. Unfortunately, she was too far down the list to qualify for grant assistance, but the City stepped in to provide critical information that changed everything: they introduced Marie to PACE financing through the Florida PACE Funding Agency.
Thanks to the Florida PACE Program, Marie secured funding to replace her roof without worrying about upfront costs, credit scores, or loan denials. PACE financing allowed her to access 100% financing based on her property value, not her credit. This made it possible for Marie to move forward quickly—without additional financial burden—and secure the improvements her family needed. The City of Tamarac also paused any enforcement actions once Marie began the PACE application process, providing her with time and peace of mind.
Marie expressed deep gratitude for the support she received from the City and the PACE program. She also praised the contractor recommended by the program, J & M Contractors of South Florida, for their quality work and professionalism.
A press conference was held in front of Marie’s home to highlight the success of the project, with leaders from the community in attendance. Senator Jeff Clemens, VP of FAIR’s Energy & Wind Mitigation Programs, Tamarac Mayor Harry Dressler, Vice Mayor Pamela Bushnell, Commissioner Michelle Gomez, and Executive Director of the Tamarac Chamber of Commerce Peter Mason joined together to recognize the impact of PACE financing on local homeowners like Marie.
The Florida PACE Funding Agency was established in 2011 as a public service to Florida cities and counties, enabling property owners to finance energy-efficient, wind mitigation, and solar improvements. The program is currently available in cities such as Tamarac, Pompano Beach, and Pembroke Pines in Broward County. PACE financing is designed to make necessary home improvements accessible to more residents, offering no-money-down options and long-term repayment plans through property assessments.
To qualify for PACE financing, homeowners must be current on their mortgage payments, have no missed or late property tax payments in the last three years, and must not be in foreclosure or bankruptcy during the same period. Improvements can also be paid via cash, credit cards, or traditional bank financing, but PACE financing often provides the most accessible option for many homeowners.
For Florida homeowners navigating insurance claim denials, repair delays, or financing challenges for essential home improvements like roof replacements, it’s crucial to have strong legal support. Mineo Salcedo Law Firm stands ready to assist homeowners, associations, and business owners in understanding their options and securing the funds they’re entitled to—whether through their insurance company or programs like PACE financing. With extensive experience in property insurance claims and a deep understanding of Florida’s evolving legal landscape, the team at Mineo Salcedo Law Firm is committed to helping clients get the money they are owed to protect their homes, businesses, and families.
