Who qualifies (2026 statute)
| Requirement | s. 215.5586 |
|---|---|
| Home | Site-built single-family home or townhouse, owner-occupied, with a homestead exemption |
| Age | "built before January 1, 2008, as reflected on the county property appraiser's website" |
| Insured value | $700,000 or less |
| Income | Low- or moderate-income person as defined in s. 420.0004 |
| Inspection | A program hurricane mitigation inspection in the 24 months before the grant application |
| Grant | $1 homeowner : $2 state, state share up to $10,000; low-income up to $10,000 with no match |
| After the work | Home available for a final inspection; share insurer discount information with the program |
The program depends on yearly appropriations and the statute says it does not create an entitlement. The program's site (mysafeflhome.com, read 23 October 2026) shows "Grants & Inspections Available" but gives no figure for remaining funds.
What the grant pays for
From the statute: opening protection (exterior doors, garage doors, windows, skylights); reinforcing roof-to-wall connections; improving roof-deck attachment; and secondary water resistance with replacement of the roof covering. Townhouses can use grants for opening protection only. Two worked examples at the 2-to-1 match:
| Project cost | State pays | You pay |
|---|---|---|
| $15,000 | $10,000 | $5,000 |
| $21,000 | $10,000 (cap) | $11,000 |
The steps, in the program's order
- Create an account in the participant portal and fill in the prioritization questionnaire.
- Wait to be placed in an inspection group; the program says groups are assigned "several times each week".
- Complete the inspection application; a Florida wind-mitigation inspector is assigned and calls to book.
- Read the report, which lists recommended upgrades and potential grant eligibility.
- Apply for the grant for the approved upgrades, naming your contractor.
Hiring the contractor
- License. You must give the contractor's state license number and the program verifies it. Check it first on DBPR's Verify a Licensee; 93.0% of window firms and 97.4% of roofing firms on City of Miami permits matched an active license.
- Permit. The statute requires the work to have the local permits and inspections. In the City of Miami, impact windows and doors go on a window/door permit and roof work on a roofing permit. Every product needs a Miami-Dade NOA or Florida Product Approval.
- Bids. The program recommends bids from at least three contractors. Compare each against the filed values below rather than against each other only.
- Closing out. The program re-inspects; a permit that reached Final in the City's iBuild permit history is the first thing to check before you sign off.
What City of Miami permits show
| Measure | Windows, doors & shutters | Roofing |
|---|---|---|
| Permits on homes, October 2023 to September 2026 | 4,921 | 6,585 |
| Firms | 1,096 | 908 |
| Usual filed value | $14,246 | $16,250 |
| Middle half of firms' usual value | $8,000 to $19,106 | $12,996 to $20,400 |
| Reached Final (a year or more old) | 98.5% | 97.5% |
| Usual days from issue to Final | 55 | 38 |
| Busiest month | March | October |
| Busiest firm, last 12 months | Patriot Windows & Doors LLC (94) | T & S Roofing Systems Inc (52) |
At the usual window permit of $14,246, a grant at the 2-to-1 match covers about two-thirds of the job; the cap starts to bite at $15,000 of work. Both trades close their permits: 98.5% and 97.5% reach Final. Prices by firm: Miami window cost and Miami roofing cost.
Compare City of Miami window and shutter installers →
Related
The permit itself: Miami window replacement permit and Miami roofing permit. Choosing firms: hiring a window installer in Miami, hiring a roofer in Miami, and the Miami roofer list. A larger roof job may also trigger Florida's 25% roof rule.
What this does not tell you
Permits do not show which jobs were grant-funded, and filed values are the contractor's estimate. Program funding changes with each legislative appropriation; check the portal before you plan around a grant. Our data covers the City of Miami only.
How we know this
Eligibility, match and eligible work are from s. 215.5586, Florida Statutes (2026 edition), read 23 October 2026; the inspection, steps and bid advice are from the program's site, read the same day. Permit counts are City of Miami building permits on homes classified as windows/doors/shutters or roofing, October 2023 to September 2026; Final share uses permits a year or more old.
Numbers come from City of Miami building permits (since 2014), data through October 17, 2026. Nobody paid to be on this page and nobody can.
Questions
- Is the My Safe Florida Home inspection free?
Yes. The program's site advertises free wind-mitigation inspections; a state-assigned Florida wind-mitigation inspector contacts you after your inspection application is approved.
- How much is the My Safe Florida Home grant?
Up to $10,000 of state money. s. 215.5586 says grants are matched $1 from the homeowner for every $2 from the state, so the state pays two-thirds of the cost up to $10,000; low-income homeowners can get up to $10,000 with no match.
- Who qualifies for My Safe Florida Home?
Under s. 215.5586 (2026): a homesteaded, owner-occupied, site-built single-family home or townhouse, built before 1 January 2008 per the property appraiser, insured for $700,000 or less, owned by a low- or moderate-income homeowner, with a program inspection in the 24 months before applying.
- Can I use any contractor for My Safe Florida Home?
You pick the contractor, but you must name it and its state license number, and the program verifies the license before approving the grant. Work needs the local permits and inspections; in the City of Miami that means a window or roofing permit.
- Does My Safe Florida Home pay for a new roof?
The statute lists roof-to-wall connections, roof-deck attachment, and secondary water resistance with replacement of the roof covering, plus exterior doors, garage doors, windows and skylights. Townhouses may use grants for opening protection only.
Build your own list
Every firm with that kind of permit on record. Pick what you value. The list moves.
Related guides
- Home improvement costs in Miami, FL (2026): what 13 kinds of jobs were filed at
- Home improvement costs in Anaheim, CA (2026): what 8 kinds of jobs were filed at
- Home improvement costs in Boulder County, CO (2026): what 10 kinds of jobs were filed at
- Home improvement costs in Burlington, VT (2026): what 7 kinds of jobs were filed at
For one city
- Florida Statutes 2026, s. 215.5586 (My Safe Florida Home Program) (accessed 2026-10-23)
- My Safe Florida Home — Florida Department of Financial Services (accessed 2026-10-23)
- Verify a Licensee — Florida DBPR Online Services (2026-10-22)
- View Permit History / Permit Search — City of Miami (accessed 2026-10-23)