My Safe Florida Home Grant Inspection and Fortified Roof Upgrade
My Safe Florida Home Program

Get a FREE Wind Mitigation Inspection & Find Out If You Qualify for Up to $10,000 in Florida Grant Funding

Fortify your home against hurricanes and significantly lower your annual insurance premiums. We help you navigate the entire state grant process from filing to final reimbursement.

Licensed Florida Roofing Contractor
My Safe Florida Home Guidance
Free Wind Mitigation Inspections
Flexible Financing Available
State Government Matching Program (Reimbursement, Not a Contractor Discount)

Certified Grant Installer

Florida Licensed Contractor #CCC1330205. Accredited & Fully Insured.

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Match Calculator Ready

Check Your Grant Eligibility

Take our 60-second interactive quiz to check if your property qualifies for the State of Florida's **$10,000 My Safe Florida Home** matching grant.

*This is an initial screening tool. Final approval is determined by the State of Florida's portal.

Program Availability Alert

State grant funding cycles are limited, and approvals are issued by the Florida Department of Financial Services on a first-come, first-served basis. Homeowners are strongly encouraged to verify current eligibility and submit initial applications promptly before funds are capped for the cycle.

Do You Qualify for the State Grant?

To obtain a $10,000 matching grant for hurricane fortifications (including a [residential roof replacement](/services/residential-roof-replacement)), your property must satisfy the following state criteria:

Florida Primary Homesteaded Property
Permit Issued Prior to January 1, 2008
Single-Family Home or Townhouse
Insured Dwelling Value of $700k or Less

If you satisfy these criteria, the state will authorize a free initial wind-mitigation inspection to recommend specific fortifications.

How the $2-to-$1 State Matching Grant Scales

Under the MSFH framework, the State of Florida matches your contribution **$2 for every $1 spent** on qualified improvements, capped at a maximum payout of $10,000. Use this breakdown to see how your net costs map:

Total Project ValueState Grant Pays ($2-to-$1 Match)Your Final Cost
$9,000$6,000$3,000
$12,000$8,000$4,000
$15,000 (Sweet Spot)$10,000 (Maximum Cap)$5,000
$18,000$10,000 (Maximum Cap)$8,000

*The State of Florida issues reimbursement checks directly to approved homeowners. We also provide flexible [financing options](/roofing-cost-calculator) to cover your out-of-pocket balance.

Case Study: Typical Grant-Approved Roof Upgrade

Before: Non-Compliant Roof

At-Risk Shingles

Old 3-tab shingle system (16 years old) with standard staples, lacking secondary water barriers (SWR), and rusted hurricane truss straps.

State Hardeningâž”
After: Fully Wind-Mitigated

GAF Hurricane Shield

Premium architectural shingles anchored with ring-shank nails, self-adhered peel-and-stick SWR underlayment, and reinforced truss clips. Passes all HVHZ codes.

💸 Homeowner Net Cost: $5,000 (Total Replacement: $15,000 | State Reimburses: $10,000) • Annual Insurance Premium Reduction: $1,150/yr

The 6-Step Grant Approval & Installation Process

Step 1: Schedule Inspection

Apply on the official MSFH portal to receive a free, state-funded wind-mitigation inspection to evaluate your roof.

Step 2: Determine Eligibility

Confirm your home meets the state program requirements (homesteaded, built before 2008, insured value under $700k).

Step 3: Receive Report

Review the official state report outlining recommended upgrades (e.g. secondary water barriers, upgraded roof deck attachments).

Step 4: Complete Improvements

Hire Diversified Roofing to complete your qualified, HVHZ-compliant roof replacement or structural fortifications.

Step 5: Final Inspection

Schedule the final post-improvement wind mitigation inspection to verify all code upgrades were successfully completed.

Step 6: Grant Payout

Submit invoices and final inspection reports to the state portal to receive your reimbursement check (up to $10,000).

Lowering Your Florida Homeowners Insurance Premiums

By upgrading your roof with secondary water resistance (SWR) underlayment and reinforced structural attachments, your home will qualify for **wind mitigation credits**. Under Florida law, property insurance carriers are required to offer premium reductions for these certified wind-resistant upgrades.

Disclaimer: While wind-mitigation upgrades are legally mandated to trigger insurance discounts, the exact percentage and total dollar savings depend entirely on your specific insurer, home location (e.g. proximity to the coast), and current policy limits. Diversified Roofing Solutions provides standard OIR-B1-1802 inspection forms but does not guarantee specific premium reduction figures.

Understanding the My Safe Florida Home Program Video Guide

Watch our quick guide to see how Florida homeowners qualify for up to $10,000 in matching state grants.

The state of Florida is currently offering a massive incentive to help homeowners harden their properties against hurricanes. Through the My Safe Florida Home (MSFH) program, eligible homeowners can receive up to $10,000 in matching grants for hurricane-resistant upgrades, including a full roof replacement!

At Diversified Roofing Solutions, we specialize in high-wind, HVHZ-compliant (High Velocity Hurricane Zone) roof installations that perfectly align with the MSFH grant requirements.


What is the My Safe Florida Home Program?

The My Safe Florida Home program was enacted by the Florida Legislature to help property owners strengthen their homes against hurricane damage while simultaneously lowering their property insurance premiums.

The state provides a $2-to-$1 matching grant. This means that for every $1 you spend on eligible home hardening improvements, the state provides $2, up to a maximum grant of $10,000.

(For example: If your new roof costs $15,000, you pay $5,000 and the state covers $10,000!)


Do I Qualify for the Roofing Grant?

To be eligible for the MSFH matching grant, your property must meet the following general criteria (always verify current requirements on the official state portal):

  • Location: The home must be located in Florida.
  • Property Type: The home must be a site-built, single-family residential property or a townhouse.
  • Age of Home: The initial building permit must have been issued prior to January 1, 2008 (homes built under older, weaker building codes).
  • Exemptions: You must have been granted a homestead exemption.
  • Insured Value: Your home’s insured value must be $700,000 or less.
  • Inspection: You must complete a free initial wind mitigation inspection through the MSFH program, which must recommend the roof upgrades.

How Diversified Roofing Solutions Helps

The grant specifically requires that all upgrades meet rigorous wind-resistance standards. This is where we excel.

When you choose Diversified Roofing Solutions for your MSFH grant project, you get:

  1. HVHZ Compliance: We build roofs to Miami-Dade and Broward County High Velocity Hurricane Zone standards—the strictest in the nation—ensuring you pass all MSFH requirements.
  2. Premium Wind Mitigation: Whether it’s Secondary Water Resistance (SWR) peel-and-stick underlayment, enhanced roof deck attachments (ring-shank nails), or premium standing seam metal, we install the specific upgrades the state wants to see.
  3. Proper Documentation: We provide you with the exact invoices, building permits, and final inspection reports you need to submit to the state for your reimbursement.
  4. Lower Insurance Premiums: After your new roof is installed, you can schedule a final wind mitigation inspection. These upgrades legally require Florida insurance companies to offer you premium discounts!

Ready to Get Started?

Don't wait until the state grant funding runs out. The process is simple:

  1. Apply for your free initial inspection on the official My Safe Florida Home website.
  2. Once you receive your inspection report and grant approval, fill out the form on this page or call us at (561) 841-5676.
  3. We will provide a free, comprehensive estimate for a wind-mitigated roof that meets all state grant requirements.

My Safe Florida Home Program FAQs

Have questions about inspections, timelines, or contractor requirements? Find answers to the most common queries below:

The My Safe Florida Home program is a state-funded initiative created by the Florida Legislature to help homeowners harden their properties against hurricane damage and qualify for insurance premium discounts.
Eligible properties must be site-built, single-family homes or townhomes in Florida with an active homestead exemption, an initial building permit issued before January 1, 2008, and an insured dwelling value of $700,000 or less.
The state provides a $2-to-$1 matching grant, up to a maximum grant of $10,000. For every $1 you pay, the state matches $2. For example, if a roof replacement costs $15,000, you pay $5,000 and the state covers $10,000.
Yes, you can choose any state-licensed contractor registered and in good standing with the My Safe Florida Home program. Diversified Roofing Solutions is a fully registered, state-approved MSFH contractor.
Timelines vary depending on state application volume. Typically, the initial inspection, review, and grant approval process takes between 2 to 6 weeks.
The initial state inspection report determines which wind-mitigation upgrades are recommended. If your roof is old, has structural decking rot, or lacks secondary water resistance, a replacement will be recommended and qualified for the grant match.
Yes. You must complete the free initial state inspection and receive your official MSFH grant approval BEFORE any roofing work begins to qualify for reimbursement.
Yes! We offer flexible financing options to cover your portion of the replacement costs, allowing you to get a new roof with little or no up-front out-of-pocket costs.
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