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Florida Grant Guide

My Safe Florida Home & your roof: what the grant really covers

If you've heard the state will help pay to harden your roof, that's the My Safe Florida Home program — and the details matter. Here's what it actually covers, who qualifies in 2026, whether you need a special contractor (you don't), and how a grant-funded roof also lowers the windstorm part of your insurance.

Last updated · Complete Roofing LLC · Gulf Breeze, FL · FL Lic. CCC1337480

Reviewed by Jason Taylor, third-generation Florida-licensed roofing contractor (verify FL Lic. CCC1337480 at myfloridalicense.com)

Quick answer
My Safe Florida Home is a matching grant from the Florida Dept. of Financial Services — $2 from the state for every $1 you spend, up to $10,000 — toward specific roof wind-mitigation upgrades (roof-to-wall attachment, deck attachment, and a secondary water barrier). It's not a free roof, and there's no special "approved roofer" list — any Florida-licensed contractor qualifies, including Complete Roofing (FL CCC1337480). Funding runs in cycles, so confirm current availability on the official program before you count on it.

Does My Safe Florida Home pay for a new roof?

Partly, and only for specific upgrades. The grant matches your spending $2-to-$1 up to $10,000 toward three roof mitigation items — roof-to-wall attachment, roof-deck attachment, and a secondary water barrier. It pays for a full roof-covering replacement only when the approved mitigation work requires tearing the old roof off first.

In other words, it's not a "free roof" program — anyone promising you one is misreading it. It's meaningful help toward the parts of a roof that keep it attached in a hurricane, and when a tear-off is required to do that work, the new covering can come with it. We'll tell you honestly which of your grant-eligible items a re-roof would include.

Who qualifies in 2026 — and does my Panhandle home fit?

The 2026 program targets lower-and-moderate-income homeowners. Generally your home must be your homesteaded primary residence, built before January 1, 2008, insured at $700,000 or less, with household income at or below 120% of your county's median. A free state wind-mitigation inspection comes first, and applications are worked in a priority order.

That pre-2008, homesteaded, moderate-value profile fits a lot of the established housing across Pensacola, Milton, Pace, and Navarre well. Confirm the exact income and eligibility thresholds on the official program site — they're set by the state and can change between funding cycles.

Do I need a special 'My Safe Florida Home' contractor?

No. Since 2024 there's no state-published "approved roofer" list you must hire from — you may use any Florida state-certified contractor. Complete Roofing is a licensed Florida roofing contractor (FL CCC1337480), which is exactly what the program requires.

You can verify our license yourself at myfloridalicense.com. We build every roof to earn the maximum wind-mitigation credit your home's structure qualifies for and photo-document each step for your inspection paperwork — see our wind mitigation roofing page for the full spec.

How the grant, the inspection, and your insurance connect

The free inspection MSFH provides is the OIR-B1-1802 wind-mitigation form your insurer uses. The upgrades the grant helps fund are the same features that earn mandatory windstorm premium credits under FS 627.0629. So a grant-hardened roof can cost you less to build and lower the windstorm portion of your premium.

We break down exactly how those credits work — and why they're only half the reason to harden a roof — on our wind mitigation insurance savings guide. If your roof is older, it's also worth reading how roof age affects staying insured in Florida.

How to apply — and how we fit in

Start at the official mysafeflhome.com portal to check availability and request your free wind-mitigation inspection — that inspection determines which upgrades qualify. Then you choose a Florida-licensed contractorfor the work and the grant reimburses the state's share.

Once you have your inspection findings, send them over and we'll explain what they mean for your roof and quote the mitigation work straight. If grant funds are paused or you don't qualify, the wind-mitigation credits still apply to any code-hardened roof, and $0-down roof financing can bridge the gap.

This page is general information for Florida homeowners, current as of July 2026 — not legal, financial, or insurance advice, and not affiliated with or endorsed by the state program. Grant amounts, eligibility, and availability are set by the Florida Department of Financial Services and change between funding cycles; verify current details at mysafeflhome.com.

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My Safe Florida Home & Roofs — FAQ

Not a whole roof outright, and not automatically. The grant is a matching program — the state contributes $2 for every $1 you spend, up to $10,000 — toward specific wind-mitigation upgrades: roof-to-wall attachment, roof-deck attachment, and a secondary water barrier. It funds a full roof-covering replacement only when the approved mitigation work requires tearing off the existing roof. Think of it as help paying to harden your roof, not a free re-roof.

As of 2026 the program is focused on lower-and-moderate-income homeowners. Broadly, the home must be your homesteaded primary residence, built before January 1, 2008, with an insured value at or below $700,000, and your household income at or below 120% of your county's median. A free state wind-mitigation inspection comes first, and applications are processed in a priority queue (lower-income and older applicants first). Always confirm the current criteria on the official program site before you count on it.

No. Since 2024 there is no separate state-published 'approved roofer' list to hire from — you may use any Florida state-certified contractor. Complete Roofing is a licensed Florida roofing contractor (CCC1337480), which is exactly what the program requires, and we build every roof to earn the maximum wind-mitigation credit your home's structure qualifies for.

Funding runs in cycles and can open, pause, or close between legislative appropriations — the portal closed in mid-2024 and reopened in August 2025, and new applicants sit behind a backlog of earlier ones. Because availability changes, check the official mysafeflhome.com portal or call the program directly for current status before you make plans around it. The underlying wind-mitigation insurance credits apply to any qualifying roof regardless.

The free inspection MSFH provides is the same OIR-B1-1802 wind-mitigation inspection your insurer uses. The upgrades the grant helps fund — a secondary water barrier, stronger deck attachment, reinforced roof-to-wall connections — are the features that earn mandatory windstorm premium credits under Florida law (FS 627.0629). So a grant-funded, code-hardened roof can both cost you less to build and lower the windstorm portion of your premium.

Start at the official program portal (mysafeflhome.com) to check availability and apply for your free wind-mitigation inspection — that inspection determines which upgrades your home qualifies for. Once you know your approved improvements, you choose a Florida-licensed contractor to do the work and the grant reimburses the state's share. We're glad to walk you through what the inspection findings mean for your roof and give you a straight quote for the mitigation work.

Got your inspection findings? Let's talk about the roof work.

We'll explain what your wind-mitigation inspection means, quote the mitigation work straight, and build it to earn the maximum insurance credit your home qualifies for — no pressure, no 'free roof' gimmicks.

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