Frequently Asked Questions

The My Safe Florida Home Program (MSFH), re-established during the 2022 Special Session of the Florida Legislature, offers financial assistance to eligible Florida homeowners to help retrofit and strengthen homes against storm damage. The program is administered by the Florida Department of Financial Services (DFS) and is subject to annual legislative appropriations.

The program has two (2) main components:

1. Free Wind mitigation Inspection — A no-obligation assessment of your home’s hurricane-resistant features with recommendations to further strengthen it.
2. Wind mitigation Grant — Financial assistance to help cover the cost of recommended home improvements, which can also qualify homeowners for discounts on home insurance premiums.

Florida homeowners who meet ALL of the following requirements may qualify for a free Inspection:

1. The home must a single-family unit on an individual parcel of land;
2. The home must be site-built and owner-occupied; and
3. The homeowner must have been granted a homestead exemption on the home under chapter 196, F.S.

2026 PROGRAM UPDATE — TOWNHOMES: Senate Bill 1452, once signed, will allow townhomes to receive roof improvement grants just like single-family homes. Once enacted, the program will no longer distinguish between single-family homes and townhomes for grant purposes. Single-family homes that are attached to other units will continue to be treated as townhouses under the MSFH Program.

Properties that are NOT eligible for a free Inspection include:

• Multi-Family Homes (apartments, duplexes, triplexes)
• Condominiums
• Cooperatives
• Retirement Homes
• Mobile Homes & Manufactured Homes
• Second Homes, Vacation Homes, & Rental Properties

Licensed inspectors contracted by the program will conduct an Initial Inspection to determine:

• What mitigation measures are needed
• The potential insurance premium discounts available to you
• Recommended improvements to reduce hurricane damage

The inspection is free and carries no obligation to proceed with a grant application.

There are two (2) types of Wind mitigation Grants:

Matching Grants — For eligible homeowners who can contribute toward the cost of improvements. The program provides $2 for every $1 contributed by the homeowner (reimbursement basis), up to a maximum state contribution of $10,000, subject to legislative appropriation. You must receive grant approval BEFORE beginning construction. Payment is made via Draw Request after work is complete, with a paid-in-full invoice required.

Low-Income Grants — For eligible low-income homeowners. Grants of up to $10,000 are available with NO matching contribution required and NO paid-in-full invoice required, subject to legislative appropriation.

You must receive grant approval BEFORE beginning construction. Payment is made via Draw Request after work is complete.

Applications are prioritized based on income and age:

• Highest priority: Low-income persons aged 60 or older
• Applications open in phases — the program begins with the highest-priority group and expands to other applicants based on a phased schedule (TBD).

Check MySafeFLHome.com regularly for application opening dates.

Yes. Homeowners may choose any licensed Florida contractor to make eligible upgrades. The contractor’s license MUST be certified or registered with the Florida Department of Business & Professional Regulation (DBPR) as one of the following:

• General Contractor
• Building Contractor
• Residential Contractor
• Specialty Contractor
• Roofing Contractor

Verify your contractor’s license status at MyFloridaLicense.com before entering their information in your portal.

PLEASE NOTE: The MSFH Program no longer maintains a list of authorized contractors. The program is not involved in or responsible for the contractor selection process, construction, or payment. The homeowner is solely responsible for selecting and managing their contractor.

1. Talk to your contractor. Confirm the mitigation project is complete and that all contractor permits have been approved and closed.
2. Request a Final Inspection through your portal account in the “Draw Request — Final Inspection Request” step. You will only have ONE opportunity to request a Final Inspection.
3. Submit your Final Inspection Report to your insurance provider to request discounts. Then complete the Draw Request in your Applicant Portal, including:

• • Draw Request Summary
  • Original Contractor Invoice
  • Proof of Payment in Full (NOT required for Low-Income participants)
  • Proof of Insurance Premium Discounts
  • Payment Verification (disbursement information)

Once approved, a disbursement check will arrive by mail. Monitor your email (including spam) for program notifications. For full instructions, visit: msflh.com/homeowners-guide

• Use a computer (not a phone) and Google Chrome for the best experience.
• Verify that all information entered is accurate before submitting any application step, as changes cannot be made once it is submitted.
• Your initial wind mitigation report identifies eligible upgrades —share it with your contractor and your insurance provider before work begins to determine the which upgrades best suit your needs.
• Verify your contractor’s state license at MyFloridaLicense.com before entering their information in your portal.
• Only the homeowner can request the final inspection through the portal — do not skip this step.
• Contact the MSFH Call Center at 561-640-6734 for any questions or case status updates.
• Submit all reimbursement documents at one time.
• Check your spam folder regularly for program emails.