Customers

 The Loan Program is for homeowners interested in making energy efficient upgrades through home improvement projects to their homes. The best part is, these loans are interest free.

Project Steps

Read over the eligible measures for the project in which you want to use the program. It is important that these measures are adhered to; by not doing so can result in funding not being issued. Prior to filling out an application, the customer needs to make sure they qualify for the program. 

The customer needs to be either in  “Good” or “Excellent” standing with Lakeland Electric. They must be a customer with us for a minimum of one Year.  The upgrades need to be to their primary residence. Customers can call customer service to determine what standing they are with Lakeland Electric.  863-834-6564.

The funding for the REEnergize Lakeland Program is first-come, first-served.
To secure a funding position with the no-interest loan program we will need to receive (3) things:
  1. Customers completed application
  2. Approved Contractors application
  3. A photo of the equipment to be replaced
  1. The customer needs to fill out an application (Available under the customers tab)  .  Scan it, and e-mail it to faye.hemingway@lakelandelectric.com
  2. The customer will pick a contractor off of our approved contractor list;  for their intended project.  We suggest at least 3 bids, but that is up to the customer.
  3. The Contractor will also need to fill out an application.  (Available under the contractors tab) They can scan it and e-mail it back to faye.hemingway@lakelandelectric.com
  4. A photo of the existing equipment is required. Either the customer, or the contractor can take the photo and e-mail it to faye.hemingway@lakelandelectric.comDO NOT BEGIN YOUR PROJECT UNTIL AFTER YOU SIGN THE DOCUMENTS.
  5. Once all the paper work and the photo have been submitted to the REEnergize Loan department,  the paperwork package is then  sent to our attorney’s office for further processing.
  6. Once the attorney’s office has  completed the paperwork an appointment is set-up  for a signing.
  7. Once the documents are signed , the customer can contact their contractor and have them begin the work.
  8. Once the work is completed, the customer will re-contact the REEnergize Loan Department, and an appointment will be set-up for a post-inspection and funding will be issued. The check is made out to the homeowner, not the contractor.
  9. The installments for the payback are $100 dollars a month.  There is a lien placed on the property until the loan is satisfied.
  10. There is also a one-time filing fee that will be assessed to your utility bill, depending on the length of the closing documents.
    Typically, for a $5,000 dollar loan it has been about $90.50.
  11. Please make note of the following: In the event of the sale, conveyance, assignment or transfer of the property encumbered by this mortgage in any manner, the entire remaining balance shall be immediately due and payable without notice.

Print Project Steps

Customer Eligibility

The following eligibility requirements must be met by Customers who wish to participate in the REEnergize Lakeland Finance Program. Please review all information contained in the Program Application prior to submission. A non-refundable recording arend release fee will be assessed on your Lakeland Electric bill upon completion of project. The total amount of the recording and release fee will range from approximately $63.00 to $100.00, which varies depending on the length of the executed documents. 


Customer Eligibility

 

At the time of application, Customer must:

    • Been a Lakeland Electric customer for at least one year 
    • Hold either a Good or Excellent credit rating with Lakeland Electric. You can obtain your credit rating by contacting Customer Service at (863) 834-9535.

Customers must be both:

    • The property owner of record as listed by the Polk County Property Appraiser of the property to be upgraded 
    • A full-time resident of the property to be upgraded 
    • Customers must grant the City of Lakeland a lien on the property to be upgraded until the loan is paid in full. 

Customers agree to pay the recording and release fee, to be assessed on their Lakeland Electric utility bill at the completion of the project.

Eligible Upgrades


Energy Efficiency Measures (Replacement and upgrades only)

    • Windows that are NFRC labeled, with a U factor .30 or below and a Solar Heat Gain Coefficient of .27 or below (All windows must be upgraded at the same time) 
    • HVAC: 16 SEER-rated or better with air-source Heat Pump 
    • Hybrid-electric (heat pump) water heaters 
    • Air Sealing and Insulation

ENERGY STAR certification not required, provided that:

    • Air sealing of the home and ducts is performed, and 
    • Attic/Ceiling insulation installed achieves R-30 or better, and 
    • If the home is a wood-framed house, Wall insulation that achieves R-13 equivalent or better, and 
    • If the home is a mobile home or has a crawl space, floor insulation that achieves R-11 equivalent or better.

Renewable Energy Measures, limited to:

    1. Solar PV: (For RESNETS HERS homes rated 80 or below only). This rating must be performed by a RESENT qualified rater, and must be paid for by Customer. 
    2. Geothermal heat pumps 
    3. Solar water heater systems

Terms and Conditions

Loan Program Eligibility, Guidelines, Applicant Certifications and Releases Customer Eligibility

At the time of application, Customers must 

    • Have been a Lakeland Electric customer for at least one year and 
    • Hold either a Good or Excellent credit rating with Lakeland Electric. 

You can obtain your credit rating by contacting Customer Service at (863) 834-9535.

Customers must be both

    • The property owner of record as listed by the Polk County Property Appraiser of the property to be upgraded,
    • A full-time resident of the property to be upgraded.

Customers must grant the City of Lakeland a lien on the property to be upgraded until the loan is paid in full.

Upon completion of the approved project, a recording fee, and the beginning of you loan payments will be assessed on your monthly Lakeland Electric Utility Bill.

Loan Funds
    • Must be completely used for an Eligible Upgrade as specifically listed below.
    • May not exceed the total cost of the project:
    • Any direct financial incentives or rebates must be deducted from the total cost of the project and are ineligible for financing, excluding non-refundable tax credits.
    • May only be used for measures that meet all state or local building code requirements, and have all appropriate labeling required (such as NFPA for fire protection, ASME for pressure vessels, OMNI for fireplace inserts, etc.).
Customer understands, agrees, certifies, and consents:
    • That all information contained in this Application is true and accurate.
    • That loan funds will be provided on a first-come basis to eligible Customers. In the event Customer demand for loans exceeds funding availability, Customer understands that priority will be given to customers whose average monthly energy consumption for the past year exceeds 1,500 kWh.
To meet all program Timelines. Customers MUST:

      • Submit a project proposal by a qualified contractor to Lakeland Electric within one (1) week of submitting your Program Application, but ideally with your program application (for the Contractor Direct-Install Option)
      • Be available to meet with the City Attorney’s Office to sign Loan Documents within one (1) week of submitting your project proposal
      • Have work completed, notify the Energy Efficiency Programs Coordinator, and be available for a post-installation inspection within two (2) weeks of signing your Loan Documents

    • That Customer will hold the City of Lakeland, Lakeland Electric, its agents, invitees, contractors and employees harmless from all suits, actions, claims, demands, damages, losses and other reasonable expenses, including attorney’s fees to which it may be subjected to in the event of any of the following: (i) if Customer’s energy consumption and/or energy bill is not reduced by the anticipated amount or experiences an increase; (ii) negligence of work completed by a contractor; (iii) inability to repay any financing, including to a third party lender; (iv) failure to take advantage of all credits, rebates, or other incentives; (v) any project costs that exceed the total amount of the loan available from Lakeland Electric; (vi) any negligence of the Customer, its agents, guests, invitees or contractors arising from and/or in connection with this Program.
    • To monthly repayment of the zero-interest loan offered by Lakeland Electric as a line-item on Customer’s Lakeland Electric bill in the amount of $100 per month. In the event any payments received by Customer are insufficient to cover the total amount owed on Customer’s monthly utility bill, funds will be applied to utility expenses first and any remaining funds will be applied to the amount owed pursuant to Program participation. Such deficiency in payment shall be considered a default in accordance with the terms/conditions provided in the Installment Promissory Note executed by the Customer.
    • In the event Customer moves prior to repayment of the loan in full to Lakeland Electric, any unpaid balance still due and owing on the account will accelerate and become due and owing in full at that time.
    • In the event of default, any third party lender, City of Lakeland, or Lakeland Electric will have the right to pursue collection efforts and pursue any remedy available at law against Customer for any unpaid balance, costs and attorney fees, notwithstanding the fact that any such loss may have been covered by a loss reserve.
    • To the release of records related to Customer’s actual energy consumption for the three (3) year period prior to installation and the three (3) year post-installation period to appropriate funding agencies to verify the efficiency of the measures installed.
    • That the terms, conditions, certifications and releases contained in this Application are incorporated by reference into any final loan agreement between the Customer and Lakeland Electric.

Selecting a Contractor

Lakeland Electric does not recommend or endorse specific Contractors for this Program. In order to participate in the Program Contactors must be properly licensed, certified, and insured by the State of Florida and/or registered in Polk County for the type of work they perform and also be properly licensed to conduct business in the City of Lakeland when doing so within the City limits. In addition, Contractors agree to provide accurate certifications of equipment being replaced and the number of hours it takes to complete a job. Contractors are required to submit an application and supporting documentation to the City in order to be placed on the Contractor approved list for this Program. Once Contractors have been approved they will be placed on the Program’s approved Contractors list from which Customers can select from.


We strongly urge our customers to review the information from Energy Star on selecting a home improvement contractor, and the information from the Florida Bar Association on home improvement contractors.

 

Approved Contractors


HVAC


Ace Air Conditioning & Electric
(863) 688-2283
 
Acu-Temp
(863) 682-3803
 
Action Heating and Cooling Inc
(863) 701-7777
 
Affordable AC & Heating LLC
(863) 860-7633
 
Air Assault Air Conditioning & Heating Inc
(863) 284-2690
 
Alexander AC & Heating
(863) 667-2299
 
Caudill’s Heating & AC
(863) 859-2933
 
Citrus Air Conditioners, Inc
(863) 648-0637
 
Clarke’s Custom Air
(863) 667-1958
 
Classic AC of Lakeland
(863) 646-8281
 
Creel Air Conditioning
(863) 646-5920
 
Currents and Cooling Inc
(863) 409-7155
 
East Polk LLC
(863) 665-2750   
Easy AC
(813) 635-0440   
Elite Cooling & Heating
(863) 858-6602
 
Garden Grove Heating & Cooling LLC (863) 956-7277  
JD Greenhaulgh
(863) 858-5070
 
J. Molnar (863) 899-2115
 
Johnson’s Mechanical Inc (863) 688-8834  
Marshalls LLC (863) 581-0984  
McKinney Air Conditioning & Heating Inc (863) 859-2837  
Mr. Kool Man Air Conditioning (863) 450-4490  
Payne AC & Heating, Inc.
(863) 686-6163
 
Randolph’s AC & Heating
(863) 682-7499   
Rideout & Sons
(863) 644-8852
 
Roth Air-Conditioning (863) 808-7877  
Ryals Brothers Inc (863) 665-8231  
Springer Brothers AC & Heating  (863) 967-0449   
Teddy's Air-Conditioning (863) 206-5554  
Tropic Air Inc
(863) 965-0386
 
Wards Heating and Air Conditioning (863) 646-0020  
  

Insulation

31 W Insulation  (813) 621-9632   
Aartic Insulation
(863) 644-7283
 
AEA (Alternative Energy Applications)
(813) 685-4999
 
Combee Insulation Co. Inc.
(863) 682-5783
 
Daniel Insulation
(727) 572-8990
 
Greenovative Greenstar Panels
(863) 940-4791
 
Tropic Air Inc.
(863) 965-0386
 
Polk County Insulation
(863) 967- 4272
 


Insulation, Windows, Doors

Florida Remodeling & Designs, Inc.  (863) 646-2000   
Greenovative Greenstar Panels
(863) 940-4791  
MCB Holdings, Inc.
(352) 796-2606
 
Polk County Windows & Doors LLC
(863) 279-7267
 

Solar and Solar Hot Water

American Solar Energy                        (863) 859-7800   
Solar Source
(800) 329-1301
 


Windows

ABM Aluminum
(863) 614-8868
 
Boatwright Aluminum, Inc.
(863) 859-7679
 
Conner Aluminum (863) 647-1561
 
Conner Home Improvements
(863) 709-8821
 
Duggan Construction & Development
(863) 698-6512
 
Ferguson Construction and Aluminum
(863) 698-1139
 
Florida Lifetime Impact
(813) 443-5810
 
Glover Builders Inc
(863) 651-1528
 
Greenovative
(863) 940-4791
 
Jack Hall’s Construction & Aluminum
(863) 667-0068
 
Johnson Aluminum Construction
(863) 967-6523
 
K.L. Smith (863) 647-5560  
MCB Holdings, Inc.
(352) 796-2606  
Polk County Windows & Doors LLC
(863) 279-7267   
Superior Aluminum Installations
(407) 678-0500  
Window World of Polk County 
(863) 665-7164  
WindowRx (863) 661-4358   

Customer FAQs

What is REEnergize Lakeland Finance? 
REEnergize Lakeland Finance is the financing component of the City of Lakeland’s broader sustainability initiative, REEnergize Lakeland. It is managed by Lakeland Electric (LE) to provide financing to eligible customers for qualified energy improvements to their homes. 


What does REEnergize Lakeland stand for? 
REEnergize Lakeland stands for the proposition that the city and its residents can adopt practices and technologies that improve their quality of life while reducing costs and energy consumption. REE stands for Renewable Energy and Energy Efficiency. The program, operated by Lakeland Electric, will be rolling out additional initiatives over the next year with the objective of achieving this goal. 


Where does the money come from for this? Am I paying for this in my electric bill? 
No. The funding for this program was provided to the city from the American Recovery and Reinvestment Act, commonly referred to as the Stimulus bill. The City of Lakeland was awarded a $965,100 grant under the Energy Efficiency and Conservation Block Grant program to reduce energy consumption city-wide. Lakeland’s strategy includes funding for the establishment of a Sustainability Office and the financing program for residential customers. 


Who is an eligible customer? 
Because this is a new program, we are taking a conservative approach to eligibility. Current eligibility guidelines require a customer to: 1) have been a customer with Lakeland Electric for at least 12 months prior to applying, 2) have the highest credit rating with Lakeland Electric, and 3) be willing to grant a lien on his/her property until paid in full. Additional factors will be taken into consideration in order to qualify for the private sector financing option, such as FICO score, debt-to-income ratio, etc. 


What are Qualified Energy Improvements? 
Qualified Energy Improvements are defined as either the installation of energy efficiency measures or renewable energy generation systems such as Solar PV panels. Every participating customer will have two options: to install an energy efficiency or solar system from a prescribed list of upgrades, or to have a whole home energy assessment conducted and to install measures identified as having a reasonable rate of return based on the anticipated energy savings. While LE employees will conduct the energy assessments, it is important to note that LE does not guarantee any specific energy savings due to other variables, such as a change in consumption patterns. 

 

How much will this cost me? 
The cost of the measures can range anywhere from a few hundred dollars up to approximately $25,000 to $30,000 for whole home improvements and the installation of Solar generation technology. In addition to the zero interest loan offered by LE, there are a variety of other financial incentives available for these types of expenditures. For a complete list of federal incentives, please refer to the Energy Star website at http://www.energystar.gov/index.cfm?c=tax_credits.tx_index or the Database of State Renewable Energy Incentives (www.dsire.org) 


How do I go about taking advantage of the program? 

 

Simply contact the Energy Efficiency Programs Coordinator  at (863) 834-6564 or visit the Customer Application section to obtain a program application. You have the choice of selecting certain measures to install from a prescribed list, or you can have an energy assessment of your home conducted to identify the most cost-effective measures to install based on the specific characteristics of your house. Simply identify what you want to have done based on the top three recommendations from the energy auditor, obtain a project estimate from a licensed contractor, and submit the application. 


 

What contractors qualify for this program? 
All contractors are eligible to participate in the REEnergize Lakeland Finance program, provided that: 1) they are properly licensed, insured, and/or registered to perform the type of work they are seeking reimbursement, 2) are willing to provide accurate information to Lakeland Electric regarding equipment being replaced and how long it takes to complete jobs, 3) are properly licensed to conduct business in the City of Lakeland, and 4) and complete a program application.

 

 

If I install a 4kW solar PV system, how much will that reduce my bill every month? 
The typical home in the Lakeland Electric service territory uses about 1,300 kWh (kilowatt hours) per month. A 4kW Solar PV system will generate an average of 486 kWh per month. Thus your home energy bill should be reduced by approximately 37% monthly provided that your energy consumption does not increase due to new appliances (such as LCD or plasma televisions, etc.), more people living in your home, or other factors not directly related to the efficiency of your home. Note that this amount will vary depending on your actual energy consumption. 

 

Can I just install the upgrades I want? 
Lakeland Electric has developed a list of eligible measures that qualify for financing under the program. This list was developed to ensure a high-level of efficiency is achieved from the expenditure of the funds. For most of the measures, you can obtain a project proposal directly from a contractor for any one or more of the measures based on the characteristics of your specific home. However, for the installation of Solar Photovoltaic Technology, you must first bring your home to a RESNET HERS rating of 80 or below. For more information on this rating system and to find a qualified HERS rater, please review the RESNET website. 


How much can I save by implementing Energy Efficiency improvements in my house? 
With relatively inexpensive energy efficiency improvements, it is reasonable to assume that you can decrease your energy consumption by 10-15% monthly, while deeper retrofits and renewable energy technology can achieve up to a 30-40% reduction. It is important to note that your energy consumption is largely driven by your personal habits, so you must consciously act to take advantage of certain upgrades such as programmable thermostats.

 

Customer Application

 

Contractor Application and Certification

Contractors FAQs

What is REEnergize Lakeland Finance?
REEnergize Lakeland Finance is the financing component of the City of Lakeland’s broader sustainability initiative, REEnergize Lakeland. This Program is managed by Lakeland Electric (LE) to provide financing to eligible Customers for qualified energy improvements to their homes.


What are Qualified Energy Improvements?
Qualified Energy Improvements are defined as either the installation of energy efficiency measures or renewable energy generation systems such as Solar PV panels. Every participating Customer will have two options: 1) to install an energy efficiency or solar system from a prescribed list of upgrades; or 2) to have a whole home energy assessment conducted and to install measures identified as having a reasonable rate of return based on the anticipated energy savings. While LE employees will conduct the energy assessments, LE does not guarantee any specific energy savings due to other variables, such as a change in consumption patterns.


What are the eligibility guidelines to be placed on the Approved Contractor’s List?
The City of Lakeland sought to establish a minimum level of eligibility in order to encourage broad participation by home improvement Contractors. The criteria are: 1) Contractors must be properly licensed, certified, and/or registered to conduct business as applicable under Florida law, including maintaining the required levels of insurance; 2) Contractors must be properly licensed to conduct business in the City of Lakeland if installing upgrades to any residence located within the City limits; and 3) Contractors must be willing to provide accurate information to LE with respect to a) the equipment being replaced if the Customer chooses the Contractor-directed option, and b) the number of man-hours used in completing individual jobs.


How can I apply to be placed on the Approved Contractor’s List?
Interested Contractors should review the Terms & Conditions Contractor participation and complete an application. If you have additional questions, please contact the Chief Sustainability Officer at Lakeland Electric.

What type of information regarding the jobs I complete do I have to provide to Lakeland Electric in order to participate in this Program?
As part of the Energy Efficiency & Conservation Block Grant (EECBG) award to the City of Lakeland, the City is required to submit quarterly information to the Department of Energy regarding the amount of energy saved from the expenditure of the EECBG funds and job creation resulting from the expenditure of the funds as defined by the number of man-hours needed to complete individual jobs.


If a Customer chooses to participate in the Contractor-directed process, LE will require specifications of the equipment being replaced, including the estimated efficiency/SEER level if appropriate.
In all cases, we will require the total number of man-hours expended to complete each job. This information must be presented to Lakeland Electric within 24 hours of project completion.


Does Lakeland Electric recommend specific Contractors?
No. The City of Lakeland has created an Approved Contractor’s List to ensure that participating Contractors meet the minimum requirements to conduct business as a Contractor and are willing to provide LE the information necessary to perform its reporting requirements to the Department of Energy.


How can Customers take advantage of the Program?
There are two methods that Lakeland Electric Customers can take advantage of the Program offering. The first method, the Customer-directed option, requires an energy audit by LE staff to identify the three most cost-efficient upgrades to a person’s home, followed by a project proposal for one or more of those upgrades from an approved Contractor.

The second option allows Contractors to identify necessary upgrades to a Customer’s home during his/her usual course of business and have that Customer submit an application with a project proposal. The Customer must meet the eligibility requirements of the Program and the proposal must be for one or more of the eligible measures.


If I want to market this to my Customers, can I use my own marketing materials?
Contractors are encouraged to market this program to their Customers during their usual course of business. In order to ensure accurate information is being provided to LE customers, any information that uses the REEnergize Lakeland brand must receive prior approval from the Chief Sustainability Officer.


How can I ensure I am paid by the customers when they receive their check?
While neither LE nor the City of Lakeland assumes any liability to ensure that Contractors are actually paid by their Customers upon receipt of any loan proceeds, LE will endeavor to inform the Contractor of record when post-installation inspections will be conducted. We will make every effort to provide loan checks to our Customers at the time of this inspection. However, the City reserves the right to provide loan funds up to 7 days after the date of inspection.

Outage Report

If you are currently experiencing an outage in your zone or you want to report a power outage or electrical emergency such as a downed power line, please call Lakeland Electric's dedicated toll-free automated system at (863) 834-4248.
The system can recognize your phone number when you call, matching it to your address to help us locate outages quickly.

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