All tools · Home Repair Grant Finder FL

How do I get a free wind mitigation inspection and grant in Florida?

Use the free tool — Home Repair Grant Finder FL

What My Safe Florida Home covers

My Safe Florida Home, run by the Florida Department of Financial Services, offers a free wind-mitigation inspection for eligible single-family owner-occupied homes. After the inspection, you can apply for a matching grant to pay for roof, window, door and other wind-hardening improvements. Low-income households and seniors get priority and higher matches. Funding opens in rounds, so check the current status before you count on it (My Safe Florida Home).

Who this is likely to fit

Most home-repair programs, including this one, share the same basic rules:

• You own and live in the home as your primary residence.
• Your property taxes and homeowners insurance are current, or you're willing to get insurance.
• For programs that use income limits, your household income is at or below a set percentage of the area median income — for county-run programs, check your county's SHIP limits.
• The title to the home is clear.

The free My Safe Florida Home inspection itself is generally open regardless of income — check the current rules on the program page before assuming you don't qualify.

The order: inspection first, then the grant application

My Safe Florida Home requires the inspection first, then a separate grant application. Programs like this usually can't pay for work already done or already under contract, so apply and wait for approval before you sign with a contractor.

How a wind-mitigation inspection can help your insurance

Florida law limits an insurer's ability to refuse to renew your policy solely because of your roof's age, if the roof has at least 5 years of useful life left according to an inspection (Fla. Stat. 627.7011, as amended in 2022). A My Safe Florida Home inspection report can help show that. If you're dealing with a nonrenewal notice over your roof, a tool like RenewalDecoder looks at the insurance side of that question.

If the round is closed, or you don't qualify

Other programs may still cover a roof, windows, AC or an accessibility fix:

• SHIP — every Florida county runs owner-occupied repair programs for low and moderate income, often as forgivable loans, through the county housing office (Florida Housing — SHIP local contacts). SHIP often has a waiting list.
• Weatherization Assistance — free energy and health-and-safety repairs for low-income households, with priority for seniors and people with disabilities (FloridaCommerce — Weatherization Assistance).
• USDA Section 504 — for rural, very-low-income homeowners age 62 and older: grants up to $10,000 and 1% loans to fix health and safety hazards (USDA — Section 504 Home Repair).
• Rebuild Florida — disaster-recovery housing repair after a declared storm, run by county (FloridaCommerce — Rebuild Florida).
• VA adapted housing grants — for veterans with a service-connected disability who need to adapt their home (VA — Adapted housing grants).
• Energy-efficient home improvement tax credit — a federal credit for windows, doors, insulation and heat pumps, for taxpayers with tax liability (IRS — Energy Efficient Home Improvement Credit).

Whichever program you use, hire only licensed contractors, and check whether the program requires its own bidding process or approved contractor list before you choose one.

What to do next

This page is general. The free tool reads your own situation — what needs fixing, who lives there, your county, rough household income, and whether you own and live in the home — and gives you the programs that likely fit, what each pays for, whether it's a grant or a loan, the order to apply in, and what to have ready. No account. Nothing you type is stored.

This is not legal, medical, or tax advice. Home Repair Grant Finder FL is not a government agency and can be wrong. It never promises an award. Program rules and funding change — confirm on each program's page and with your county housing office, and apply before you sign with a contractor.

Home Repair Grant Finder FL lists Florida and federal home-repair assistance programs in plain language from official sources; it can be wrong, and it is not legal or financial advice. Eligibility is determined only by the program. Nothing you type is stored.