Quick Answer - Florida Roof Grants and Insurance Credits
The My Safe Florida Home Program is the main state grant for roof-related wind mitigation upgrades, matching up to $2 for every $1 a qualifying homeowner spends, capped at a $10,000 state contribution. As of the program's August 2025 reopening, eligibility is limited to low and moderate-income homeowners under House Bill 811. Separately, Florida law already bars insurers from refusing or non-renewing a policy solely for roof age if an inspection shows at least 5 years of useful life remaining, a protection that predates 2026 and is still in effect, even though a widely covered 2026 bill that would have expanded it did not pass. If your roof needs work either way, a roof replacement or targeted upgrade can qualify you for both the grant and stronger wind mitigation credits at the same time.
Want a roof quote in Riverside? Reach Gimo's Roofing at (904) 606-5313.
What Is the My Safe Florida Home Program
The My Safe Florida Home Program is a state-funded grant that pays homeowners to harden their homes against hurricane wind damage, with roofing improvements as one of its central categories. The program reopened for new applications on August 4, 2025 with $352 million allocated for the 2025-2026 cycle. In the 2026 legislative session, lawmakers reappropriated more than $405 million across the program and its companion condo pilot to work through a backlog of tens of thousands of homeowners who had completed inspections but were still waiting on grant funding.
Program funding, eligibility rules, and application windows change from one legislative session to the next. Treat every figure in this guide as a snapshot and confirm current status directly on the official portal before you plan a project around it.
Who Qualifies for a Grant
Since the August 2025 reopening, House Bill 811 limits new grants to low and moderate-income homeowners. Low income means household income at or below 80 percent of your county's median income, and moderate income means income below 120 percent of the county median. Your home must be a site-built, single-family primary residence built before 2008, and you must carry a valid homeowners insurance policy on the property. Most applicants also need an insured (Coverage A) value under $700,000, a limit raised from $500,000 in 2024, though low-income applicants are exempt from this cap. The eligibility check itself is free and takes only a few minutes on the program's website, so it is worth confirming your status even if you are not sure whether your income or home value falls inside the current limits.
What Roofing Work Qualifies
A free wind mitigation inspection through the program identifies which upgrades your specific home needs and qualifies for. Roofing-related categories the program has historically funded include roof-to-wall connection reinforcement, roof deck attachment strengthening, and secondary water barrier installation, the same line items scored on a standard wind mitigation inspection. Some applicants, particularly in the low-income tier, have also been able to apply funds toward roof covering itself when the inspection report recommends it. Because eligible categories are tied to your inspection results and can shift with each legislative cycle, treat your own inspection report as the authoritative list for your home rather than any general guide, including this one.
How Much You Can Actually Get
For moderate-income homeowners, the grant matches $2 for every $1 you spend, up to a maximum $10,000 state contribution. To capture the full $10,000, you would need to contribute $5,000 of your own money toward a $15,000 project. Low-income homeowners have historically qualified for grants up to $10,000 applied more directly toward recommended roof, window, or door work, without needing to front as much of the matching contribution themselves. These figures are the program's general structure as of this writing. Your actual match and cap depend on the current year's legislative appropriation and your specific inspection findings.
As an example, a moderate-income homeowner who spends $6,000 reinforcing roof-to-wall connections and adding a secondary water barrier would contribute $2,000 of that themselves and receive the remaining $4,000 from the state, since the match applies dollar for dollar up to the $2-to-$1 ratio and the $10,000 cap. Homeowners tackling a full roof replacement often spend well beyond what the grant covers, in which case the grant offsets a meaningful slice of the project rather than the entire cost.
How to Apply
Applications go through the official My Safe Florida Home portal, starting with an eligibility check and a request for a free wind mitigation inspection. Once the inspection is complete, you receive a report listing which improvements your home qualifies for and their estimated cost. From there you select a state-registered contractor, complete the approved work, and submit the paperwork for reimbursement under the matching structure. Given the backlog the program has worked through in past cycles, apply as early in any open window as possible rather than waiting until closer to a storm season.
The Existing Roof Age Non-Renewal Protection
Separate from the grant program, Florida law already protects homeowners from being dropped over roof age alone. Under the insurance reforms passed in 2022 and 2023, an insurer cannot refuse to issue or renew a homeowners policy solely because of roof age if an authorized inspector certifies the roof has at least 5 years of useful life remaining, regardless of the roof's calendar age. Many carriers, including Citizens, still apply their own scrutiny at 25 years for shingle roofs and 50 years for tile, metal, or concrete, which is why an inspection showing genuine remaining life matters more than the number of years since installation. The protection only applies when the denial is based on age alone. An insurer can still decline or non-renew a policy over documented storm damage, deferred maintenance, or an inspection that finds less than 5 years of remaining life, regardless of how the calendar age compares to that 25 or 50 year figure. Our guide to whether insurance will cover a 20-year-old roof and our breakdown of Florida roof insurance age limits and non-renewal cover this rule in more depth.
Did a New Law Change Roof Age Rules in 2026
You may have seen articles describing a new 2026 Florida law that would bar insurers from non-renewing a policy over a roof under 15 years old, extend protections to condos and rental properties, and expand who counts as an authorized inspector. That legislation, Senate Bill 808 and its House companion, House Bill 815, did not pass. Both bills died in committee on March 13, 2026, so none of those expanded protections are in effect. You can verify the bill's status directly on the Florida Senate's official bill tracker. The only roof age protection currently in force is the existing 5-year remaining useful life rule described above. Given how much outdated or simply incorrect content is circulating about this specific bill, verify anything you read about Florida roof insurance law against the Senate's own bill history or a licensed insurance agent before making a decision based on it.
Wind Mitigation Credits vs Grants
A My Safe Florida Home grant and a wind mitigation insurance credit are two different benefits from the same underlying inspection. The grant is a one-time payment that offsets the cost of the upgrade itself. The wind mitigation credit is a recurring reduction in your annual premium that continues for as long as your carrier has the current inspection form on file. Our full comparison of wind mitigation and 4-point inspections explains how these reports work and how they differ from the inspection that decides whether you can get coverage at all. If you cannot access grant funding this cycle, financing the improvement yourself through roof financing still captures the ongoing wind mitigation credit, which offsets part of the cost over time even without the upfront grant.
Planning a Roof Upgrade in Northeast Florida?
Gimo's Roofing helps homeowners understand what a wind mitigation inspection will find, what qualifies for grant funding, and how to time a roof project around both.
Key Takeaways
- The My Safe Florida Home Program matches up to $2 for every $1 spent on qualifying wind mitigation upgrades, capped at a $10,000 state contribution.
- Since August 2025, House Bill 811 limits new grants to low and moderate-income homeowners under set county median income thresholds.
- Program funding and eligibility rules change with each legislative cycle. Confirm current status on the official portal before planning around it.
- Florida law already protects homeowners from non-renewal based solely on roof age if an inspection shows 5 years of useful life remaining, a rule that predates 2026.
- Senate Bill 808 and House Bill 815, which would have expanded that protection in 2026, died in committee in March 2026 and are not in effect.
- A grant is a one-time payment toward the upgrade cost. A wind mitigation credit is a recurring premium discount. They come from the same inspection but work differently.
