How the “My Safe Florida Home Program” Can Help You Upgrade Your Roof — And Save on Insurance

If you live in Florida, you’re no stranger to the intensity of our weather. Wind storms, heavy rain, hurricane threats — all of that can take a toll on your roof. The good news? There’s a state-run program called the My Safe Florida Home Program (MSFH) that offers a major opportunity: grants of up to $10,000 to eligible homeowners for hurricane-resistant upgrades — including improvements to your roof.

Why this matters for your roof

• Upgrades covered by the program include things like “roof-to-wall attachment,” “roof deck attachment,” and “secondary water resistance” — all critical to making your roof more durable under wind and water exposure.

• Not only does proper mitigation help your home withstand storms better, but it also can reduce your homeowners' insurance premiums. Many homeowners see savings of approximately $1,000 per year once upgrades are made. 

• The program is first-come, first-served. In previous years, funding has been exhausted quickly.

  
  

How the process works:

1. Free inspection – You apply through the MSFH website and receive a free wind-mitigation inspection of your home. 

2. Inspection report – The inspector identifies any necessary upgrades (roofing included) to strengthen your home.

3. Choose a contractor – Once approved, you select a licensed, registered contractor to perform the work. The upgrades must be those specified in your inspection report.

4. Perform the work – The contractor completes the upgrades.

5. Final inspection & reimbursement – After final inspection, you put in your draw or reimbursement request and receive the grant funding (up to $10,000 in many cases).

   
   

At The Florida Roofing Contractor, we are fully licensed, experienced with Florida’s building codes and storm-resilience requirements, and well-versed in the MSFH process. Whether it’s secure roof-to-wall straps, high-performance underlayment, or impact-rated coverings, we handle roofing improvements that align with the program’s standards — making the application and upgrade process smoother for you.

3 Key Tips for Homeowners

• Act early: Because funding levels are limited and demand is high, applying early boosts your chances before the money runs out.

• Use a qualified contractor: Make sure your contractor is licensed and has experience with hurricane-resistant roofing systems — meeting the program’s required specifications.

• Don’t guess the work: Only the upgrades listed in your inspection report qualify for the grant. Doing unapproved work or starting before approval might disqualify you.

  
  

If you’re a Florida homeowner and your roof is approaching its lifespan, or you’ve never done a wind-mitigation upgrade, now is a great time to explore your options. The My Safe Florida Home Program offers real financial help for the right improvements — and we’re here to guide you every step of the way. Reach out to us for a free eligibility check, and let’s make sure your roof is ready for Florida weather — and ready to save you money.