Florida homeowner resource
My Safe Florida Home: Current Program and Claim Questions
Strengthening a home before a storm and claiming payment for existing damage are different tasks. Use the official My Safe Florida Home program for inspection and grant applications; contact EPA about a property insurance claim.
Reviewed November 3, 2026. This page replaces an older summary of 2023 House Bill 881. Application availability, funding and requirements must be checked with the program.
Start with the official program
The My Safe Florida Home website explains wind-mitigation inspections, the participant portal and grant applications for approved improvements. Its current process distinguishes applying for an inspection from applying for a grant. An inspection or initial application does not guarantee funding.
Inspection eligibility is different from grant eligibility
Current Florida Statutes section 215.5586 addresses site-built, owner-occupied single-family homes on individual parcels with a homestead exemption, including qualifying detached homes and attached homes up to three stories.
The statute allows an eligible owner to receive an inspection without qualifying for or applying for a grant. Grant criteria include an insured dwelling value of $700,000 or less, a pre-2008 construction date, a recent program inspection and low- or moderate-income eligibility, together with other requirements. A higher-value homeowner should not assume that inspection eligibility means grant eligibility.
The current statute generally provides a $2 state contribution for each $1 from the applicant, up to $10,000, with a no-match provision for qualifying low-income applicants. Funding remains subject to appropriations and availability. Read the full current requirements and obtain a program determination for your application.
Before committing to improvement work
Confirm the written approval, eligible work, contractor requirements, required permits, deadlines, inspection steps and reimbursement records. Do not assume a contractor’s sales statement is a program approval. Use the official portal or support channel to resolve an application question.
Keep the inspection report, approved scope, contractor agreement, photographs, permits, invoices and final inspection records together. Discuss potential premium credits with your insurance agent or carrier; EPA does not sell insurance or promise a particular discount.
If the property already has damage
A mitigation grant is not a substitute for reporting an insured loss or supporting a damage claim. Keep proposed preventive upgrades separate from repairs attributed to the loss. The policy and actual facts determine available insurance benefits; neither a grant approval nor a recommended improvement proves coverage.
EPA can review damage records, insurer estimates and supported repair differences when engaged. We do not administer the grant program, determine eligibility or guarantee reimbursement. Explore our roof claim guide, hurricane claim guide and Florida insurance-law changes.
Start with a clear next step.
Tell us where the property is, what happened and where the claim stands. Luxury homes and complex losses are our focus; all property owners are welcome to ask whether we can help.
Free initial claim review
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Do not delay emergency assistance, reasonable mitigation or required notice while awaiting a consultation. Public adjusting representation requires a separate written agreement describing services and fees.
David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters, LLC: firm license W807213. We are not a law firm and do not guarantee coverage or a settlement result.