Estimate Costs. Explore Your Options. Make Smart Decisions.

If your Florida home was built before 2008, you may qualify for state funding to improve your storm protection. Use this page to: 

1

Estimate typical upgrade costs

2

Understand your grant eligibility 

3

Plan smart steps for a safer home 

Note: The free My Safe Florida Home wind mitigation inspection identifies what upgrades your home needs—and which ones may be reimbursable through the state grant.

STEP 1:

Tell Us About Your Home.

Use this quick tool to receive a customized estimate based on typical Florida retrofit costs. You’ll answer:

  • Year built
  • Square footage
  • Number of stories
  • Roof type
  • Do you have shutters or impact windows?
  • Roof-to-wall connection type (if known)
  • Roof deck fastening (if known)

STEP 2

See Your Estimated Costs

If you are eligible to apply, start by creating an account in the Applicant Portal, once funds become available.

Upgrade Type Estimated Cost Range
Roof-to-wall reinforcement $800 – $3,000
Roof deck nailing upgrade $1,000 – $4,000
Secondary water barrier $500 – $2,500
Impact windows/shutters $5,000 – $15,000
Roof replacement $8,000 – $20,000+

You may qualify for a state grant of up to $10,000 (2-to-1 match).

STEP 3

What’s the Smartest Investment?

Even one upgrade can boost your home’s safety and lower your insurance bill. The most cost-effective options often include:

  • Roof-to-wall connections
  • Deck nailing upgrades
  • Opening protection (impact glass/shutters)

Why it matters:

  • 💰 Insurance savings (hundreds per year)  INSERT ALLOWS TALK TO YOU INSURANCE CARRIER TO MAKE SURE YOU ARE MAXIMIZING YOUR DISCOUNTS
  • 🏡 Home value boost
  • 🧘 Peace of mind for your family
  • TO GET A “ROOF” you need to have a secondary water barrier installed first then the MSFH pays for the shingles over the SWR up to $10,000

Real Homeowners. Real Results

“My inspection showed I needed clips and a water barrier. I used the grant, paid about $2,500 myself, and my insurance dropped $1,100/year.”
– Carlos R., Volusia County

“I had no idea my windows didn’t meet code. Now I have impact protection and peace of mind.”
– Joan M., Lee County

Average homeowner who got a discount saved $865 on their annual premium last year.

📌 Next Steps

You’re empowered. Now take action:

  • ✅ Schedule Your Free Inspection
  • 💰 See If You Qualify for a Grant
  • 🛠️ Find a Licensed FL Contractor
  • 📄READ THE HOMEOWNERS GUIDE

Frequently Asked Questions

What if my costs are more than $10,000?

You’ll need to cover the difference, but many homeowners finance the rest—and the insurance savings often make up for it.

Can I do just one upgrade?

Yes. Even a single upgrade like clips or shutters can lead to savings and improved protection and to insurance discount

Will I need permits?

Yes. Your contractor will typically handle the permitting process for you.