The My Safe Florida Home program gives Florida homeowners a free wind mitigation inspection and, for those who qualify by income, grants of up to $10,000 toward hurricane hardening, including impact windows and doors. Here is how the program works, who qualifies, and how to use it for a window project.
What the program offers
- Free wind mitigation inspection. A program inspector evaluates your roof, openings and connections and gives you a report of recommended improvements. The inspection is free and you are not required to go further.
- Grants for qualifying improvements. Based on the inspection, you can apply for a grant toward roof items, exterior doors and windows.
- Reimbursement model. The program pays after your local building department confirms the work is complete, so the project is paid up front and reimbursed.
Who qualifies and how much
| Income level | Grant |
|---|---|
| Low income: household income at or below 80% of the county median | Up to $10,000, applied toward roof items, doors or windows |
| Moderate income: below 120% of the county median | Matching grant: for every $1 you invest, the program matches up to $2, up to the program cap |
| Above moderate income | No grant |
All applicants must show proof of homeowners insurance. Application windows have opened in staggered two-week periods by age and income, and funding is limited each cycle, so applying early matters. These rules are as reported when the program reopened in August 2025; the state adjusts them each cycle. Check the official program site before you plan around a specific amount.
Using the grant for impact windows
- Apply for the free inspection first. The report will list opening protection as a recommended improvement if your windows and doors are not impact-rated.
- Get a written quote from a licensed contractor. Elevate Impact Windows provides a line-by-line quote with product approvals, which the program and your building department will need.
- Submit the grant application with the quote and your insurance documentation.
- Once approved, the work is permitted, installed and inspected by your local building department.
- Submit the closed permit and invoice for reimbursement.
What it means for your budget
A full home of impact windows in South Florida typically runs $12,000 to $30,000. A $10,000 grant, combined with our current 20% off offer and $0 down financing, subject to credit approval, can cover a large share of the project. Add the insurance opening protection credit after the wind mitigation inspection and the numbers improve further. See our cost guide and insurance guide.
Frequently asked questions
How much does My Safe Florida Home pay for windows?
Low-income homeowners can receive up to $10,000 toward roof items, doors or windows. Moderate-income homeowners receive a matching grant of up to $2 for every $1 they invest, up to the program cap.
Is the inspection really free?
Yes. The wind mitigation inspection is provided by the program at no cost, and you are not required to apply for a grant afterward.
Do I need insurance to qualify?
Yes. All applicants, including low-income applicants, must show proof of homeowners insurance.
Is the money paid up front?
No. The program reimburses after your local building department confirms the work is complete, so the project is paid first and reimbursed.
Can I use any contractor?
The work must be permitted and inspected. Use a licensed contractor who provides product approvals and a closed permit, which the program requires for reimbursement.