California Cool-Roof Rebates & Title 24 Explained (2026)

California's Title 24 energy code requires most re-roofs to meet minimum reflectivity and thermal emittance standards — but few homeowners realize the same requirement unlocks rebates that can offset $500–$3,000 of the project cost. Here's exactly how it works in San Jose.

What is a "cool roof"?

A cool roof reflects more sunlight and absorbs less heat than a standard roof. Products are rated by the Cool Roof Rating Council (CRRC) with two numbers: solar reflectance (fraction of sun reflected) and thermal emittance (how quickly heat escapes). In San Jose (Climate Zone 7 and 10), low-slope roofs must hit 0.63 initial reflectance and steep-slope roofs 0.20 initial reflectance under current Title 24.

Which materials qualify

• Cool-color concrete tile — Boral, Eagle, and MCA all offer CRRC-listed colors that qualify without looking "white."
• Cool-color architectural shingle — GAF Timberline HDZ CS, Owens Corning Duration COOL, CertainTeed Landmark Solaris.
• Standing-seam metal — most Kynar-500 finishes qualify; galvalume raw does not.
• TPO and PVC single-ply — nearly all white TPO/PVC exceeds the low-slope requirement.

The rebates actually available in San Jose

SDG&E Energy Savings Assistance — income-qualified homeowners can receive free or heavily subsidized cool-roof upgrades. Federal Energy Efficient Home Improvement Credit (25C) — 30% of eligible cool-roof material cost up to $1,200/year through 2032. Utility bill savings from a cool roof in San Jose average $110–$280/year on cooling costs alone.

How to claim

Save the CRRC label from your material, the itemized invoice, and the Title 24 CF-1R Alterations form your contractor files with the city. That's what you attach to Form 5695 on your federal return. We handle every step of the paperwork for our customers.

Free rebate consultation

California First Roofing will run the numbers for you — no obligation. Call (424) 777-1619 or email sales@californiafirstroofing.com.