FL S0228

Establishes the Resiliency Energy Environment Florida (REEF) program allowing property owners to finance qualifying energy efficiency, renewable energy, and wind resistance improvements through voluntary non-ad valorem assessments collected with property taxes

Limits total non-ad valorem assessments to 20% of fair market value without mortgage holder consent, and combined mortgage debt plus assessments on residential property cannot exceed 100% of fair market value

Requires program administrators to verify residential property owners' ability to pay by confirming the annual assessment does not exceed 10% of household income and that owners are not in bankruptcy

Mandates recorded phone confirmation calls with residential property owners before issuing notice to proceed, covering financing terms, payment obligations, lien implications, and disclosure requirements

Limits residential assessment financing agreements to 30 years maximum, prohibits negative amortization, balloon payments, and prepayment fees, and gives owners 3 business days to cancel without penalty