My Safe Florida Home — Grants for a Stronger Roof
Florida will help pay to harden your home against hurricanes — historically up to $10,000 in matching grant funds toward qualifying wind-mitigation improvements, including your roof. We're an approved program contractor, and we'll walk you through it for free.
The State Will Help Pay to Strengthen Your Roof. Most Homeowners Never Claim It.
My Safe Florida Home is a state program with a simple deal: a free hurricane-mitigation inspection of your home, and — when funding is available — grant money that matches your spending on the improvements the inspection recommends. Historically the match has run $2 of state money for every $1 you spend, up to $10,000, with fully-funded grants for income-qualifying homeowners. Roof work is at the heart of it: roof-deck attachment, secondary water resistance, roof-to-wall connections, and qualifying roof replacements are exactly the improvements the program exists to fund.
Expert Roofing Services is an approved My Safe Florida Home contractor — a requirement for grant-funded work — and a Stuart-based, family-owned Florida contractor (License CCC1332394) with 10+ years in business and 300+ five-star Google reviews. We'll tell you honestly whether the program fits your situation, help you through the process, and do the work to the standard the final inspection demands.
Two Things to Understand Before You Apply
The homeowners who get funded are the ones who understand the rhythm of the program — and apply the moment a window opens.
Funding Opens, Fills, and Closes — Timing Is Everything
The Legislature funds My Safe Florida Home in appropriations, and each round of funding opens to applications, fills up, and closes. Recent cycles have also prioritized applicants in order — with income-qualifying and senior homeowners moving first. What that means practically: you don't wait until your roof is desperate to look into this. Get the free inspection, know what your home qualifies for, and be ready to apply the day a window opens. We track the program's status — call and we'll tell you where it stands right now.
Grant Work Only Counts With a Program Contractor
Grant-funded improvements must be performed by a contractor approved under the program — and documented to its standards, because a final inspection verifies the work before money is paid. That's the part we handle end to end: we're an approved MSFH contractor, we build to the wind-mitigation standard the inspection checks, and we produce the documentation trail — permits, product approvals, photos — that gets your grant released instead of stuck.
Qualifying Wind-Mitigation Improvements
The program funds improvements that measurably harden a home against hurricane wind and water. The roof items are our trade:
Typical Eligibility — and the Insurance Bonus
Typical Requirements
Cycles have generally required a site-built, single-family primary residence with a homestead exemption, within the program's insured-value limits, and an initial program inspection before improvements. Income-qualifying and senior homeowners have received priority and richer funding in recent cycles. Rules shift between appropriations — we'll check your situation against the current cycle's requirements in one phone call.
The Benefit That Outlasts the Grant
Every improvement the program funds is also a wind-mitigation credit on your insurance. A sealed roof deck, code-standard deck attachment, and documented roof-to-wall connections can lower your premium year after year — our wind mitigation inspection documents them for your carrier. Homeowners often find the insurance savings alone justify the work; the grant makes it a bargain.
What We Tell Homeowners About MSFH
If the program doesn't fit you, we'll say so — and if funding is closed, we won't pretend otherwise.
My Safe Florida Home is genuinely excellent when it fits: right home, right improvements, open funding window. It is not a coupon for every roof, and it is not always open. We'll tell you plainly which situation you're in, what the current cycle looks like, and whether waiting for a window or proceeding without one makes more sense for your roof's condition. A roof leaking today shouldn't wait months for a grant queue — and we'll tell you that too.
Whatever path you choose, the mechanics never change: your quote is free, itemized, and fixed, and the work is documented to the standard the program's final inspection — and your insurance carrier — demands.
From First Call to Funded Roof
Free Situation Check
One call: your home, your roof's condition, the program's current funding status, and an honest read on whether MSFH fits you.
Program Inspection & Application
You apply and receive the program's free wind-mitigation inspection; we help you read the report and pick the improvements with the biggest impact.
Approved-Contractor Quote
A free, itemized, fixed quote for the qualifying work — built to program standards by an approved MSFH contractor.
The Work, Documented
Permits pulled, current Florida Building Code throughout, product approvals on file, photos at every stage — the paper trail the final inspection wants to see.
Final Inspection & Your Grant
The program verifies the work, your grant funds are processed, and your new wind-mitigation credits go to work on your insurance premium.
A Few of Our 300+ Five-Star Reviews
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[REPLACE — real review]
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Questions Homeowners Ask About the Program
How much money can I get from My Safe Florida Home?
Historically, matching grants have run up to $10,000 — $2 of state money for every $1 you spend on qualifying improvements — with fully-funded (no-match) grants for income-qualifying homeowners. Exact amounts are set by each funding cycle, so we confirm current figures with the official program before you plan around them.
Is the wind-mitigation inspection really free?
Yes — the program's initial hurricane-mitigation inspection is free to eligible homeowners, and the report is valuable on its own: it documents your home's current wind features, which can earn insurance credits even before any improvements.
Does a roof replacement qualify for the grant?
Roof work is central to the program: qualifying roof covering replacement, roof-deck re-nailing, secondary water resistance (sealed roof deck), and roof-to-wall connection improvements have all been named program improvements. Whether your specific roof qualifies depends on the inspection's findings and the current cycle's rules — which is exactly what we help you determine.
Why does my contractor have to be "approved"?
Grant-funded work must be performed by contractors approved under the program, and the work is verified by a final inspection before funds are released. Expert Roofing Services is an approved My Safe Florida Home contractor — and we build the documentation trail (permits, product approvals, photos) that gets grants paid without delays.
The program says funding is closed. Now what?
Funding opens in waves as the Legislature appropriates it, and recent cycles have prioritized applications in order. The smart move while a window is closed: get inspected, know your improvement list, and be ready to apply the day it reopens. And if your roof can't wait — leaks don't respect grant calendars — we'll give you an honest plan that doesn't depend on the program.
Will these improvements lower my insurance?
They frequently do. The same features the program funds — sealed roof deck, code-standard deck attachment, documented roof-to-wall connections, a new code-compliant roof — are wind-mitigation credits most Florida carriers recognize. We document them properly, and our wind mitigation inspection service produces the form your carrier needs.
Services That Pair With the Program
Program Services
Qualifying Work
Where We Work
Find Out What Your Home Qualifies For
One free call: the program's current status, whether your home fits, and an honest plan either way — from an approved My Safe Florida Home contractor with 300+ five-star reviews.