12 States Now Require Cool Roofs to Cut Energy Costs

January 27, 2026
6 min read
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Blue Marlin Homeowner Guides

12 States Mandate Cool Roof Coatings for Energy Savings and Compliance

Building owners and managers face fluctuating energy costs, with roofs serving as primary heat absorbers that drive up cooling expenses. Several states address this challenge through requirements for cool roof coatings, which reflect sunlight, lower surface temperatures, and create more comfortable indoor spaces while reducing energy consumption. This guide details the mandates, explains compliance steps, and provides strategies to achieve savings and adherence.

Comprehending the locations of these requirements, their purposes, and compliance actions equips property owners to avoid penalties and optimize expenses. The sections below outline essential considerations and practical steps for successful implementation.

1. Recognize Why States Are Requiring Cool Roof Coatings

Cool roof coatings minimize heat absorption through enhanced solar reflectance, allowing less thermal energy to penetrate structures. Air conditioning units then operate less intensively, which decreases electricity usage and extends equipment longevity. State mandates promote these coatings to lower overall energy demand, enhance air quality, and diminish greenhouse gas emissions.

Such regulations also mitigate the urban heat island effect, where cities experience elevated temperatures compared to rural areas due to concentrated heat retention.

2. Identify the States with Cool Roof Mandates

Twelve states enforce or incentivize cool roof coatings for designated climate zones and building categories: California, Nevada, Arizona, New Mexico, Texas, Florida, Georgia, Hawaii, Oregon, Washington, Illinois, and New York. Requirements vary by state, frequently aligning with regional energy codes or environmental conditions. Property owners must verify specifics, such as minimum reflectivity or emissivity thresholds, based on the site's location and structure type.

Consult state building resources to confirm applicability, as exemptions may exist for certain roof slopes or historical properties.

3. Understand the Local Energy Code Requirements

Energy codes establish mandatory efficiency standards for constructions, integrating cool roof provisions as non-negotiable elements. State or local building departments publish approved material lists and performance criteria to guide compliance. Review the relevant energy code compliance guide prior to any roofing initiative to prevent issues like project delays or financial penalties from non-adherence.

Failure to meet standards often results in mandatory corrections, additional inspections, or fines exceeding installation costs.

4. Determine Whether the Mandate Applies to Your Property

Mandates typically target commercial, industrial, or multifamily buildings featuring low-slope or flat roofs, though some states extend rules to residential structures in warmer regions. Assess your property against criteria such as roof pitch, usage, and geographic zone to establish applicability. Contact local building officials for clarification on required solar reflectance index (SRI) or thermal emittance values.

Document this evaluation early to inform planning and budget allocation.

5. Choose the Right Type of Cool Roof Coating

Cool roof options include acrylic, silicone, polyurethane, and elastomeric formulations, each suited to particular roof configurations and environmental factors. Acrylic coatings, water-based and cost-effective, perform reliably in moderate climates with adequate drainage. Silicone variants excel on flat roofs by resisting standing water, while polyurethane options offer robustness for areas with foot traffic.

Elastomeric coatings accommodate thermal expansion and contraction, maintaining integrity across temperature fluctuations. Evaluate these based on your roof's material, exposure, and local weather patterns to ensure durability and effectiveness.

6. Verify Product Certification and Performance Ratings

Select coatings that satisfy state-specific certifications, prioritizing those rated by the Cool Roof Rating Council (CRRC) or ENERGY STAR programs. These organizations test for key metrics like solar reflectance and thermal emittance, aligning with code expectations. Certified products streamline permitting and inspection processes by providing verifiable performance data.

Request specification sheets from suppliers to cross-reference against local standards before finalizing purchases.

7. Hire a Licensed Contractor Familiar with Cool Roof Codes

Engage contractors licensed in your jurisdiction with proven expertise in energy code-compliant installations. They assist in material selection, precise application techniques, and preparation of submission documents for regulatory approval. Review portfolios of completed cool roof projects and seek client testimonials to gauge reliability.

Qualified professionals also estimate energy reductions and pinpoint available rebates, enhancing project viability.

8. Schedule Inspections and Maintain Accurate Records

Post-installation, arrange for official inspections to confirm material compliance and proper execution. Building departments assess factors such as coating thickness, uniformity, and adherence to specifications. Retain comprehensive records, including technical data sheets, contractor invoices, and inspection outcomes, for ongoing reference.

These documents prove compliance during audits, property transactions, or financing evaluations.

9. Calculate Your Potential Energy Savings

Reflective coatings can decrease roof surface temperatures by up to 50 degrees Fahrenheit, substantially lowering cooling demands in peak seasons. Annual savings often range from 10 to 30 percent on energy bills, depending on climate and building size. Factor in reduced maintenance needs, as cooler conditions slow material degradation and extend roof lifespan.

Use online calculators from energy agencies or consult experts to project returns specific to your facility.

10. Take Advantage of Incentive Programs

Numerous states and utilities provide rebates, tax credits, or low-interest loans for qualifying cool roof installations. Research programs through local energy offices or provider websites to identify eligibility and application procedures. These incentives frequently cover 20 to 50 percent of costs, accelerating payback periods.

Apply early in the project timeline to secure funding without delays.

11. Plan for Ongoing Maintenance

Although resilient, cool roof coatings require routine attention to sustain reflectivity amid accumulation of dirt, algae, or UV degradation. Conduct annual inspections and gentle cleanings with approved methods to preserve performance. Address any emerging cracks or peeling immediately to prevent broader deterioration.

Regular upkeep ensures continued energy benefits and avoids premature replacement expenses.

12. Prepare for Future Code Updates

Building codes advance with innovations in materials and heightened sustainability goals, potentially expanding cool roof requirements. Monitor announcements from state energy commissions or building authorities to anticipate changes. Proactive awareness allows integration of upgrades during routine maintenance cycles.

Establish a tracking system, such as email alerts, to stay current without constant manual checks.

Implement Cool Roof Strategies for Sustained Efficiency

Adopting cool roof coatings not only fulfills legal obligations but also delivers measurable reductions in operational costs and environmental impact. Property managers who follow these steps position their buildings for resilience against rising energy prices and stricter regulations. Begin by assessing your site's needs today to realize these advantages promptly.

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