The My Safe Florida Home program reopened with new funding in early 2026 and tightened a few of the rules in ways worth understanding before you apply. We are not the state, and this is not legal or financial advice — but we have processed enough projects through MSFH to know what tends to go right and what tends to delay.
The mechanism, in brief
MSFH provides a free wind-mitigation inspection plus a matching grant for qualifying hardening upgrades. The state pays up to $2 in grant for every $1 the homeowner spends, capped — currently at $10,000 of grant for $5,000 of homeowner cost. Roof work is the headline category. Opening protection is the other.
What the 2026 program covers on the roof side
- Roof-deck attachment improvements — re-nailing the deck to higher-rated patterns when the roof comes off for a re-roof.
- Secondary water resistance — a self-adhered membrane over the deck before the underlayment.
- Roof-covering upgrades to material rated for higher impact and wind exposure.
- Hip-roof reinforcement and gable-end bracing where applicable.
The 2026 update removed a few line items that were generating fraud claims in earlier years; the program is meaningfully tighter than it was in 2023.
The order of operations
- Apply for the free inspection first. Do not start work. The pre-inspection establishes the baseline against which the grant is measured.
- Get the wind mitigation report. This is the document — the OIR-B1-1802 form — that drives both the grant scope and your insurance premium discount.
- Receive your scope of approved improvements. MSFH will tell you what they will match.
- Get bids. Bids must come from contractors on the program's approved list. Verify before you sign.
- Receive the grant award letter. Only then begin work.
- Submit the closeout package with photographs, invoices, and the post-inspection report.
Skipping any of these steps voids the grant.
What we have seen
Homeowners who pair the MSFH grant with a planned re-roof get the best leverage — you are doing the deck work anyway, and the grant offsets the upgrade premium for a higher-rated covering. Homeowners who try to use the grant for an isolated improvement (just the underlayment, just the opening protection) typically find the math less favorable.
The state's website at mysafefloridahome.com is the source of truth. Funding caps reset each fiscal year and have run out before the year ended in past cycles. If you are eligible and considering, the time to apply is now, not in November.
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