My Safe Florida Home Grants for Impact Windows and Doors
My Safe Florida Home is a Florida Department of Financial Services program that provides a free wind mitigation inspection and grants of up to $10,000 for recommended upgrades such as impact windows and doors. Under the current program rules, grants go only to low and moderate income homeowners. Low income grants need no match; moderate income grants pay $2 per $1 you spend.
What Is the My Safe Florida Home Program?
The inspection and grant are separate applications, and an inspection does not guarantee a grant. Funding is set by the Florida Legislature and awarded first come, first served while funds last, so check current availability at mysafeflhome.com before you plan around a grant.
My Safe Florida Home (MSFH) is a state program created under Section 215.5586, Florida Statutes, and run by the Florida Department of Financial Services (DFS). It has two parts:
A free hurricane mitigation inspection
A program inspector documents your home's wind-resistant features on the state's Uniform Mitigation Verification Inspection Form and recommends specific improvements.
A hurricane mitigation grant
Eligible homeowners can receive money toward the improvements recommended in that report.
Who Is Eligible for the Free Inspection?
Your home must be:
- A single-family detached home or a townhouse (attached single-family homes count as townhouses).
- Site-built and owner-occupied.
- Granted a homestead exemption.
Condos, co-ops, multi-family homes, retirement homes, mobile and manufactured homes, second homes, and rentals are not eligible. Condo associations should look at the separate My Safe Florida Condo Pilot Program on our condo and HOA guide.
Who Qualifies for a My Safe Florida Home Grant?
To apply for a grant, the program requires that:
- The home received an initial inspection through the program.
- The insured dwelling value (Coverage A) is $700,000 or less.
- The building permit application for the home's original construction was made before January 1, 2008.
- You provide the name and license number of the Florida-licensed contractor you select.
- The home is available for a final inspection when the work is done.
- You agree to share any insurance discount information you receive because of the improvements.
You will also upload a current homeowners insurance declarations page as proof of active coverage.
Income Tiers and Priority Groups
The Legislature has directed the program to prioritize households by income and age, measured against county median income using U.S. Department of Housing and Urban Development (HUD) figures adjusted for household size.
- Low income: at or below 80% of your county's median income.
- Moderate income: above 80% and below 120% of your county's median income.
A Prioritization Questionnaire in the program portal sorts applicants into groups:
Your group determines when applications open to you, and the program says groups cannot be changed once assigned. If funding runs out before your group opens, you cannot apply that round.
Group 1
Low income, age 60 or older (the program uses "born before July 1, 1965")
Group 2
Low income, any age
Group 3
Moderate income, age 60 or older
Group 4
Moderate income, any age
Group 5
Above the moderate income limit, not eligible for grants this cycle
How Much Is the Grant, and How Does the 2-to-1 Match Work?
These illustrations follow the program’s Homeowner’s Guide. Your grant depends on your approved application and the work completed.
The maximum grant is $10,000.
Low income grants: no homeowner match. The program pays the applicant directly for the actual cost of recommended improvements, up to the limit, and a paid-in-full invoice is not required at the draw request stage. You are responsible for paying your contractor.
Moderate income (matching) grants: a reimbursement. You pay the contractor in full, then the program reimburses two-thirds of eligible costs, up to $10,000. The state contributes $2 for every $1 you contribute.
$9,000 project
$6,000 grant, $3,000 your share.
$15,000 project
$10,000 grant, $5,000 your share.
$20,000 project
Two-thirds would be $13,333, above the cap, so the grant is $10,000 and your share is $10,000.
What Improvements Qualify?
The Homeowner’s Guide lists four improvement types, funded only when recommended in your initial inspection report:
Opening protection
Impact-rated windows, exterior doors, sliding glass doors, garage doors, and skylights, or impact-rated shutters.
Roof-to-wall attachment
Clips, straps, or wraps connecting trusses or rafters to walls.
Roof deck attachment
Added or upgraded nailing of the roof sheathing.
Secondary water resistance
A sealed roof deck or approved underlayment method.
Townhouses are eligible for opening protection only. For windows and doors, three rules matter most:
- Only the openings recommended in your report are eligible.
- You do not have to replace every recommended opening to receive a grant.
- If the home already has compliant impact-rated shutters, the grant cannot pay to swap them for impact windows.
Insurers usually give the opening protection credit only when all glazed openings are protected, so a partial project may not change your premium. See our wind mitigation insurance discounts guide.
How to Apply for My Safe Florida Home, Step by Step
Respond to any Request for Information within 60 days, or the program can close your case.
Create your portal account
At mysafeflhome.com and complete the Prioritization Questionnaire.
Apply for the inspection
When your group opens, and upload any requested documents.
Complete the initial inspection
The program assigns the inspector. The report is usually uploaded within 14 days and expires 24 months after the inspection.
Review your report
And opt in to the grant phase if improvements were recommended.
Get quotes
For the recommended openings from a Florida-licensed contractor. Verify the license at myfloridalicense.com.
Submit the grant application
With your declarations page, planned improvements, and your contractor’s name and license number.
Wait for grant approval before any work or permitting begins
Projects completed before approval are denied.
Complete the work and close the permit
You have one year from approval to request the final inspection, or you can request a 6-month extension.
Request your one final inspection
Then send the final report to your insurer and ask about discounts.
Submit your draw request
With the itemized invoice, proof of payment (moderate income), and proof of insurance premium changes. The program mails the check to the applicant; allow at least three weeks after approval.
How Storm Pro Fits Into the My Safe Florida Home Process
Storm Pro Window and Door is a Florida-licensed contractor (CRC1334277) serving Tampa Bay and Southwest Florida with in-house installers.
What we do:
- Prepare an itemized quote listing each opening recommended in your report, with the product and its approval number.
- Provide our license number for your grant application.
- Wait for your grant approval before pulling permits or starting work.
- Pull the permit and close it out before you request the final inspection. See our impact window permits guide.
- Provide a detailed invoice and paid-in-full documentation for your draw request.
What we cannot do: apply on your behalf, decide your eligibility or group, or guarantee approval, funding, or insurance savings.
See the impact windows and impact doors we install, how our installation process works, and financing for a moderate income match.
Checking Funding Status
Funding is set by the Legislature and released by priority group. The Legislature reappropriated program funds in the 2026 budget, and many inspected homeowners have waited for their group to open. Before planning around a grant, check your portal account or mysafeflhome.com for current status. The Homeowner’s Guide lists a call center at 561-640-6734 and a support center.
Common Mistakes to Avoid
- Signing a contract, pulling a permit, or starting work before grant approval.
- Replacing openings that were not recommended in the report.
- Hiring a contractor who is not licensed for the work.
- Requesting the final inspection before all planned work is done. You get only one.
- Missing a 60-day Request for Information deadline, or using a forwarding address for the check (the program says checks cannot be delivered to an active USPS forwarding address).
This page is general information, not legal, tax, or insurance advice. Program rules come from DFS and can change.
Official Sources
Every rule, number and deadline on this page comes from the agencies below. Check them directly anytime.
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Florida Dept. of Business and Professional Regulation
myfloridalicense.com ↗
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Frequently Asked Questions
Is the My Safe Florida Home inspection really free?
Yes. The program provides the hurricane mitigation inspection at no cost and with no obligation to eligible homeowners. The home must be a site-built, owner-occupied single-family home or townhouse with a homestead exemption. Availability depends on funding and your priority group.
Can I get a grant if my income is above 120% of the county median?
Not under the current rules. Households above the moderate income limit are placed in Group 5, which is not eligible for grants. The program may open inspections to higher income households if inspection funds remain, but grants are limited to low and moderate income households.
How much of my impact window project will the grant cover?
Low income homeowners can receive the actual cost of recommended improvements up to $10,000 with no match. Moderate income homeowners are reimbursed two-thirds of eligible costs up to $10,000. For example, a $15,000 project would receive $10,000, leaving a $5,000 homeowner share.
Can I start my window project before my grant is approved?
No. The Homeowner’s Guide says projects completed before grant approval will be denied, and a permit issued before approval can also make you ineligible for disbursement. Wait for written grant approval before setting permit or installation dates. Storm Pro schedules permits and installation only after your approval arrives.
Do I have to replace every window to get the grant?
No. You can choose specific openings recommended in your report. Insurers generally give the full opening protection credit only when every glazed opening is protected, though, so a partial project may not change your insurance discount. Weigh both before deciding which openings to include.
Does my house qualify if it was built after 2008?
Generally not for a grant. The building permit application for the home’s original construction must have been made before January 1, 2008. Newer homes may still qualify for the free inspection if other requirements are met. You can check permit history with your county.
Who gets the grant check, me or the contractor?
The program mails the disbursement check to the applicant at the address entered in the draw request. You are responsible for paying your contractor, and the program states it is not involved in payments between homeowners and contractors. Agree on a payment schedule with your contractor before work starts.
Can Storm Pro fill out my application?
No. The homeowner applies through the program portal, and contractors cannot apply on your behalf or determine eligibility. Storm Pro can provide an itemized quote matched to your report, our license number, permits, and the invoices and payment records the program requires.