Florida Offers

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Florida homeowners who fortify their homes against hurricanes can access tens of thousands of dollars in combined financial benefits — through state grants, federal tax credits, insurance savings, and increased home value. These programs are designed to stack, meaning you can often combine all of them on the same project.

Before spending a dollar, every Florida homeowner should request a free wind mitigation inspection through the My Safe Florida Home program at mysafeflhome.com. A state-licensed inspector evaluates your home at no cost and gives you a report you can use immediately — to capture insurance discounts right now, and to identify exactly which upgrades would qualify you for grant funding. There's no obligation to do any work.

A new code-compliant roof is evaluated across five separate categories on Florida's wind mitigation form, and each one that qualifies produces its own discount. Together, a full qualifying roof upgrade can reduce your annual homeowners insurance premium by 20–45% — an average savings of roughly $1,000 per year statewide.

Financial benefits available:

• My Safe Florida Home Grant: The state pays $2 for every $1 you spend — up to $10,000 cash back. Low-income homeowners may qualify for the full $10,000 with no out-of-pocket match. Funding is first-come, first-served; grant approval must happen before work begins.
• Insurance savings: 20–45% reduction on the wind portion of your premium, which typically represents 50–80% of your total homeowners insurance cost.
• Insurability: Many carriers now require roofs to be under 15–25 years old to renew your policy. A new roof may be the most important step to keeping your coverage.
• PACE financing: No upfront cost, no credit check. Repay through your property tax bill.

Don't let pests take over your home. Our pest control experts are trained to identify and eliminateWhen all exterior openings are protected with impact-rated products, you unlock the Opening Protection discount on your wind mitigation form — one of the largest single credits available. The key: all windows, doors, and skylights must be covered. Partial protection doesn't qualify.

Financial benefits available:

• Insurance savings: 15–45% reduction on the wind portion of your annual premium — roughly $450–$1,350+ per year for most Florida homeowners, and up to $27,000 over 20 years.
• My Safe Florida Home Grant: Same 2:1 match, up to $10,000. Can be combined with the federal tax credit on the same project.
• Federal Tax Credit (Section 25C): 30% of product cost, up to $600, for ENERGY STAR Most Efficient certified windows. Installations must be completed by December 31, 2025.
• Energy savings: ENERGY STAR-certified impact windows reduce cooling costs by 10–25% per year — roughly $180–$400 annually, and up to $10,000 over the life of the windows.
• Home value: Fully hardened homes see a 7–10% increase in home value and sell up to 20% faster.

Additional benefits: Significant noise reduction, UV protection for furnishings, improved home security, and no storm prep — impact windows require zero deployment before a hurricane. all types of pests, from rodents to insects. We use safe and effective methods to ensure that your home is pest-free.

Impact-rated entry doors, sliding glass doors, French doors, and garage doors all contribute to the Opening Protection discount alongside impact windows. Garage doors have their own separate credit line on the wind mitigation form.

Financial benefits available:

• Insurance savings: Same 15–45% reduction on wind premium when all openings are protected together.
• My Safe Florida Home Grant: 2:1 state match, up to $10,000. Door-only projects often have lower total costs, meaning the grant can cover a larger share.
• Federal Tax Credit (Section 25C): 30% of product cost, up to $500 for qualifying exterior doors. Must be completed by December 31, 2025.
• Resale ROI: Steel entry door replacement returns 100.9% of cost at resale. Garage door replacement returns 102.7% — the highest-ranked exterior project nationally.

A Florida homeowner who does a combined roof, impact windows, and impact doors upgrade on a $400,000 home with a $4,000/year insurance premium could realistically access:

Benefit - Estimated Value

My Safe Florida Home Grant -  Up to $10,000

Federal Tax Credits (windows + doors) - Up to $1,100

Insurance premium savings (20 years) - ~$14,400

Energy savings (20 years) - $4,000–$10,000

Increased home value - $28,000–$40,000

Total estimated benefit - ~$57,000–$75,000+ 

Estimates vary by home, carrier, and tax situation. Consult a licensed insurance agent and tax professional for personalized guidance.

• Get your free inspection at mysafeflhome.com — no obligation, no cost.
• Share the report with your insurer to capture available discounts immediately.
• Apply for your MSFH grant before signing any contractor agreements — approval must come first.
• Complete your upgrades with a Florida state-certified licensed contractor.
• Get a new wind mitigation inspection after work is done and submit it to your insurer proactively — discounts don't apply automatically.
• Claim your federal tax credit on IRS Form 5695 for any qualifying windows or doors completed by December 31, 2025.