Get Up to $10,000 for Your Roof with My Safe Florida Home – Before Funding Runs Out
Bottom Line: Florida is offering up to $10,000 in grants to help homeowners strengthen their roofs against hurricanes and lower insurance premiums. But there’s a catch – the $352 million in funding historically runs out in just 2-3 weeks. Here’s everything you need to know to take advantage of this program before it’s too late.
What Is My Safe Florida Home?
My Safe Florida Home is a state-funded grant program that helps Florida homeowners pay for hurricane protection improvements to their homes. The program covers critical roofing upgrades that can:
• Reduce your homeowners insurance premiums (average savings: $1,000 per year)
• Protect your home from hurricane damage
• Put up to $10,000 in your pocket to offset improvement costs
The state has allocated $352 million for 2025, but based on past years, this money disappears fast. In 2024, $200 million in funding was completely exhausted in just 17 days.
How Much Money Can You Get?
Low-Income Homeowners: Up to $10,000 with NO out-of-pocket cost. The state pays 100% directly to your contractor.
Moderate-Income Homeowners: Up to $10,000 using a 2:1 state match. You pay $1, the state pays $2.
Example: For a $12,000 roof upgrade project, you pay $4,000 and the state reimburses you $8,000.
Do You Qualify? Quick Eligibility Checklist
✓ Your home was built before January 1, 2008 (check your building permit date)
✓ You own and live in the home as your primary residence (not a rental or vacation property)
✓ You have a Florida homestead exemption and active homeowners insurance
✓ Your home is a single-family house (not a condo, apartment, or mobile home)
✓ Your insured home value is $700,000 or less (low-income applicants are exempt from this cap)
✓ Your household income meets county limits:
• Low-Income: 80% or below your county’s median income
• Moderate-Income: 120% or below your county’s median income
• Income limits vary by county and family size
Important: Townhouses can only receive window/door upgrades, NOT roof improvements.
What Roofing Improvements Are Covered?
The program covers four main types of hurricane-resistant roofing upgrades:
- Roof-to-Wall Connections – Metal straps or clips that prevent your roof from lifting off during high winds
- Roof Deck Attachment – Stronger nails and fasteners to secure your roof decking
- Secondary Water Resistance – Water-resistant underlayment to prevent leaks if your outer roof is damaged
- Hurricane-Resistant Roof Covering – Impact-rated shingles, metal roofing, or tile that meets Florida Building Code wind resistance standards
Critical Note: You can ONLY get reimbursed for improvements specifically recommended in your state inspection report. You can’t choose upgrades yourself.
The Timeline: Why You Need to Act NOW
Here’s the reality of how fast this program moves:
• 2024: Program opened July 1. Funding exhausted by July 17 (just 17 days).
• 2023: Funding ran out by October, leaving 17,617 applicants unfunded.
• Current Status: $352 million available as of August 2025, but applications are processed first-come, first-served within priority groups.
Priority Windows for 2025:
• Priority 1 (Low-income, age 60+): August 4-17
• Priority 2 (Low-income, any age): August 18-31
• Priority 3 (Moderate-income, age 60+): September 1-14
• Priority 4 (Moderate-income, any age): September 15-30
Once your priority window opens, it’s a race. Homeowners who applied at 12:31 AM on opening day in 2024 still found the program out of money.
The clock is ticking. Every day you wait, thousands of other Florida homeowners are submitting applications ahead of you.
How 3MG Roofing Makes This Easy
Navigating a state program can feel overwhelming. That’s where 3MG comes in. As a GAF Master Elite contractor (top 2% nationwide) and state-approved My Safe Florida Home contractor, we’ve helped hundreds of homeowners successfully complete their program projects and receive their full reimbursements.
Here’s How We Help You:
Step 1: Free Eligibility Review
We’ll review your home’s age, insured value, and whether you meet the requirements – completely free, no obligation.
Step 2: We Coordinate Your State Inspection
Once you’re approved, we help you schedule your free state inspection and review the report to understand exactly what improvements are recommended.
Step 3: We Complete Your Approved Work
We perform only the state-approved improvements using our licensed, in-house crews (not subcontractors), obtain all required permits, and provide all documentation for your reimbursement.
Step 4: We Help You Get Your Money
We ensure all paperwork is properly completed so your reimbursement goes smoothly.
Why Choose 3MG for Your My Safe Florida Home Project?
✓ GAF Master Elite® Certified – The highest contractor certification in roofing (only 3% of contractors qualify)
✓ State Program-Approved Contractor – Registered and verified by the Florida Department of Financial Services
✓ 650+ Five-Star Reviews – Proven track record of quality and customer satisfaction
✓ Industry-Leading Warranties – 10 to 25-year workmanship warranties on all projects
✓ Flexible Financing Available – We offer payment plans to help bridge the gap while you wait for your state reimbursement
✓ In-House Licensed Crews – No subcontractors means accountability from start to finish
✓ Local & Trusted – Permanent Florida presence serving your community
Common Questions Homeowners Ask
Q: Can I start the work before I’m approved for the grant?
A: No. You must receive grant approval before beginning any work, or you won’t be reimbursed.
Q: Do I have to pay the contractor upfront?
A: For moderate-income matching grants, yes – you pay the contractor in full, then request reimbursement from the state. For low-income grants, the state pays the contractor directly after work is completed.
Q: How long does it take to get my reimbursement?
A: The entire process typically takes 6-12 months from initial application to final reimbursement. 3MG can help expedite the documentation to speed this up.
Q: What if my roof needs full replacement but the inspector doesn’t recommend it?
A: The grant only covers improvements specifically listed in your inspection report. However, 3MG can provide a separate estimate for any additional work you need and offer financing options.
Q: Will my insurance definitely go down?
A: Most homeowners see insurance savings averaging $1,000 per year after completing wind mitigation improvements. Your actual savings depend on your insurance company and policy.
Don’t Leave Money on the Table
Florida homeowners are paying the highest insurance premiums in the nation – an average of $6,000 to $14,000+ per year. The My Safe Florida Home program is your chance to:
• Protect your biggest investment with proven hurricane upgrades
• Lower your insurance costs by an average of $1,000 annually
• Get up to $10,000 in state funding to help pay for it
But this opportunity won’t last. With only $352 million available and approximately 33,000 eligible homeowners statewide, funding will evaporate within weeks just like it has every year.
Ready to Get Started? Here’s Your Next Step
Schedule Your Free Eligibility Review with 3MG Roofing Today
We’ll check if your home qualifies, explain exactly how much you could receive, and guide you through the entire process from application to reimbursement.
Don’t wait until it’s too late. Funding is first-come, first-served, and history shows it runs out in less than 3 weeks. Contact 3MG Roofing today and let’s get your application started before the money is gone.
About 3MG Roofing
3MG Roofing is a GAF Master Elite certified contractor serving Florida homeowners with industry-leading roofing solutions. As a state-approved My Safe Florida Home contractor, we combine expert craftsmanship with deep knowledge of Florida’s hurricane protection requirements and insurance regulations. Our mission is simple: protect your home, reduce your costs, and deliver the white-glove experience you deserve.
Licensed & Insured | GAF Master Elite® | 650+ Five-Star Reviews | My Safe Florida Home Program-Approved
Disclaimer: Program eligibility requirements, funding availability, and grant amounts are subject to change by the Florida Department of Financial Services. Income limits vary by county. This article is for informational purposes only and does not constitute financial or legal advice. Contact the official My Safe Florida Home program at mysafeflhome.com for the most current information.
