Will My Safe Florida Home pay for a new roof?
My Safe Florida Home pays for a new roof covering only when it's needed to install recommended roof-to-wall attachments, roof-deck attachments, or secondary water resistance, and the state's share is capped at $10,000. You also have to pass the program inspection and meet its grant rules.
If your insurer just non-renewed you over roof age, this grant is often the first program neighbors mention. It is real. It is also narrower than a blank check for any reroof.
When a roof replacement is eligible
- Associated roof covering costs are eligible when replacement is necessary to finish recommended roof-to-wall, roof-deck, or secondary water resistance improvements (MSFH support article)
- Replacing the covering alone, without those improvements, is not an eligible roof improvement
- Roof patching and other partial repairs are not eligible
- If a covering is replaced, the entire pitched roof, entire flat roof, or both must be replaced
Who can get a grant (high level)
A free wind mitigation inspection through My Safe Florida Home is open to homesteaded, owner-occupied, site-built single-family homes (check the live FAQ for townhome rules before you apply). A grant adds more gates. Per the program FAQ and Florida Statutes section 215.5586, expect requirements that include an initial program inspection, insured dwelling value of $700,000 or less, a home built before January 1, 2008, a licensed Florida contractor named on the application, a final inspection after the work, and income rules that split matching grants from low-income grants.
- In the current round, per the program FAQ, matching grants pay $2 from the state for every $1 you pay, up to a $10,000 state contribution
- In the current round, per the program FAQ, low-income grants can reach $10,000 with no match required for applicants who meet the program’s low-income definition
- You must receive grant approval BEFORE construction starts. Starting early disqualifies reimbursement
- In the current round, per the program FAQ, applications open in priority phases, with low-income applicants age 60 or older first
- Funding opens and closes in rounds, so check mysafeflhome.com for whether applications are open today
What the free MSFH inspection is for
- It is a wind mitigation assessment that lists recommended improvements and possible insurance discounts
- You cannot bring your own inspector for the program
- That inspection is different from a repair-vs-replace walk with a local licensed roofer
- It is also different from the OIR-B1-1802 form your insurer uses for discounts
What this means for Volusia and Flagler homeowners
- Confirm MSFH eligibility on the official site first
- Get a documented roof condition inspection so you know repair versus replace before you spend grant-match money
- TruShield matches you with local licensed roofers for that condition inspection
- We do not run the state grant
Next step
Read the official FAQ, then take the roof quiz or call 386-999-4616 so a local licensed roofer can document what your roof actually needs while you sort out grant timing.