Licensed & Approved My Safe Florida Home Contractor  ·  Lic. CCC1332394  ·  Serving All of Florida
🛡️ MSFH Approved Contractor
📋 Lic. CCC1332394 | 
✅ Workers’ Comp & Fully Insured
📍 Serving All of Florida
Key Qualifier

The Secondary Water Resistance (SWR) System — Your Key to Qualifying

Not every roofing project qualifies for the My Safe Florida Home grant. The difference is in how your roof is built. At Expert Roofing Services, every qualifying installation includes a Secondary Water Resistance (SWR) system — a sealed underlayment beneath your primary roof covering that prevents water intrusion if shingles are lost during a hurricane.

This single upgrade is one of the most impactful factors the state’s wind mitigation inspector looks for — and it directly determines whether your roof qualifies for the MSFH grant and your insurance discount.

  • ✓ Protects your home from water damage if shingles are lost in a storm
  • ✓ Required by state inspectors to qualify for the MSFH grant
  • ✓ Improves your wind mitigation score for maximum insurance savings
  • ✓ Installed on every qualifying Expert Roofing Services project
  • ✓ Meets Florida Building Code for all wind zones statewide
Your SWR Roofing System — Layer by Layer
🏠
Roof Covering
Wind-rated shingles / tile / metal
💧
Secondary Water Resistance (SWR)
✅ Grant-qualifying sealed underlayment
🔩
Roof Deck Attachment
Ring-shank nails / enhanced fastening
🔗
Roof-to-Wall Connections
Hurricane straps on every truss / rafter
✅ This system qualifies for the MSFH grant
Simple Process

How to Qualify for the Grant

Eight straightforward steps from eligibility check to receiving your state reimbursement — we guide you through all of them.

 
01
Check Eligibility
Single-family primary residence, homestead exemption, insured value $700K or less, and active homeowner’s insurance required.
02
Register at mysafeflhome.com
Create your free account on the state portal and request your no-cost wind mitigation inspection.
03
State Inspection — Free
A state-assigned inspector visits your home and evaluates your roof, connections, and openings at no cost to you.
04
Receive Your Report
Within 14 days, your personalized report lists every recommended improvement and includes your wind mitigation form for your insurer.
05
Apply for the Grant
Submit your application through the portal. Funding is first-come, first-served. Do NOT begin work until you have written approval.
06
Receive Award Letter
The state confirms your grant amount and the exact improvements eligible for reimbursement.
07
We Install Your Roof
Expert Roofing Services completes your approved project — SWR system, permits, and full Florida Building Code compliance included.
08
Get Reimbursed & Save
Submit your paid invoice to the portal, receive your grant funds, then share your wind mitigation report with your insurer to claim your insurance discount.
Your Savings

How Much Can You Save?

The My Safe Florida Home program offers significant financial relief — both through the direct grant and long-term insurance savings.

 
🤝
Standard Matching Grant
$10,000
The state pays $2 for every $1 you invest. You cover one-third of the project cost, and the state covers two-thirds — up to $10,000 maximum from the state.
🏆
Low-Income Grant
$10,000
If your household income is at or below 80% of your county’s median, the state may cover 100% of approved costs with no matching contribution required.
📉
Insurance Premium Savings
Up to 50%
Florida law requires insurers to apply wind mitigation credits to your policy. A qualifying SWR roof can significantly reduce your annual premium — savings that add up every year.
Do You Qualify?

Eligibility Requirements at a Glance

Review the basic requirements below — if you’re unsure, call us and we’ll help you figure it out for free.

 
Requirement
Details
Property Type
Site-built, single-family detached home (no condos or mobile homes)
Primary Residence
Must have a Florida homestead exemption — investment or rental properties do not qualify
Insured Value
$700,000 or less (per your homeowner’s insurance dwelling coverage limit)
Insurance Required
Must carry active homeowner’s insurance with windstorm coverage throughout the process
Location
All of Florida falls within a wind-borne debris region — every county in the state is eligible to apply for the MSFH program
Contractor
Must use a licensed Florida contractor approved for the specific work — Expert Roofing Services qualifies
Start of Work
No work, contracts, or material purchases until written grant approval is received
Common Questions

Frequently Asked Questions

 
Is Expert Roofing Services approved by My Safe Florida Home?
Yes. Expert Roofing Services LLC holds Florida Roofing Contractor license CCC1332394 and is an officially approved contractor under the My Safe Florida Home (MSFH) program.
What is a Secondary Water Resistance (SWR) system and why does it matter?
An SWR system is a sealed underlayment installed beneath your roof covering that prevents water from entering your home if your primary shingles are damaged or lost in a hurricane. The state’s wind mitigation inspector scores your home on this feature — having SWR installed is one of the strongest factors for qualifying for the MSFH grant and earning an insurance discount.
How much is the My Safe Florida Home grant?
Up to $10,000 from the state. Standard applicants receive a 2-to-1 match (state pays $2 for every $1 you spend). Low-income homeowners (at or below 80% of county median income) may qualify for up to $10,000 with no matching contribution required.
Can I start my roofing project before getting grant approval?
No. The program is explicit: no work, no contractor contracts, and no material purchases may begin until you receive written grant approval from the state. Any work done before approval is not reimbursable. We work with you to sequence everything correctly.
Will a qualifying roof lower my homeowner’s insurance?
Yes. Florida law requires residential insurers to apply wind mitigation credits to your policy. Homes with a qualifying SWR roofing system, upgraded deck attachment, and roof-to-wall connections can see premium reductions of up to 50%.
Do you serve my area?
Expert Roofing Services serves all of Florida. Every county in the state falls within Florida’s wind-borne debris region, making homeowners statewide eligible to apply for the My Safe Florida Home program.
Service Area

We Serve All of Florida

Every county in Florida is within a wind-borne debris region — meaning homeowners statewide are eligible for the My Safe Florida Home program. Wherever you are in Florida, we come to you.

 
📍
Miami / Dade
South Florida
📍
Fort Lauderdale
Broward County
📍
Palm Beach
Palm Beach County
📍
Stuart / Treasure Coast
Our Home Base
📍
Orlando
Central Florida
📍
Tampa / St. Pete
Tampa Bay Area
📍
Jacksonville
Northeast Florida
📍
All Other Counties
Statewide Coverage

Ready to Save Up to $10,000 on Your New Roof?

Call or email us today for a free quote. As an approved MSFH contractor, we handle all the documentation your HOA and the state program require.

📞 Call Us
(772) 800-8897
📧 Email Us
info@expertroofingfl.com
🌐 Program Portal
mysafeflhome.com
Expert Roofing Services LLC
7847 SW Ellipse Way, Stuart, FL 34997  |  Lic. CCC1332394 
Approved My Safe Florida Home Contractor  |  Serving All of Florida

This page is for informational purposes. Grant eligibility is determined by the Florida Department of Financial Services. Visit mysafeflhome.com for official program details.