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Is There a Free Roof Replacement Grant in Florida? What My Safe Florida Home Actually Covers

Is there a free roof replacement grant in Florida? What My Safe Florida Home actually pays for, who qualifies, and how the roof process works.

There is no state program that hands Florida homeowners a free new roof. There is a real one, My Safe Florida Home, that can pay a large share of specific hurricane-hardening work, and much of that work happens during a roof replacement. Here is how it works, who qualifies, and how a roof project runs in Broward and Palm Beach County.

!Roof deck and trusses exposed during a tile roof tear-off in Delray Beach, FL, where deck attachment and roof-to-wall connections become accessible

A tear-off in Delray Beach. With the old roof off, the deck and the roof-to-wall connections are open, which is where most grant-eligible roof work happens.

The Short Answer

If you searched "free roof replacement grant," you have probably already landed on several pages that never answered the question. Here it is in plain terms:

  • My Safe Florida Home (MSFH) is a state program run by the Florida Department of Financial Services. It funds hurricane mitigation improvements on eligible homes, subject to money the Legislature appropriates each year.
  • The grant is capped at $10,000.
  • For most applicants it is a matching grant, not free money. The state reimburses $2 for every $1 the homeowner pays, up to the $10,000 cap. Low-income homeowners can qualify for a grant of up to $10,000 with no match required.
  • It pays only for improvements recommended in your program inspection, and the program lists exactly four. The roof covering itself, the tile, shingles or metal, is not one of them.
  • Applications open in phases, starting with the highest-priority groups. Check current status at mysafeflhome.com before you plan around a grant.

    • All Phase Construction USA was one of the original My Safe Florida Home contractors, and we still do program work today. That is why this guide is direct about what the grant will and will not do.

    Request a free roof assessment

    Who Qualifies for My Safe Florida Home

    There are two steps to qualify for: the free inspection, and then the grant. These are the program's published rules for the current funding year.

    Requirement What It Means
    Home type A site-built single-family home on its own parcel, or a townhouse. Condos, mobile homes, duplexes and rentals do not qualify.
    Occupancy Your primary residence, with a Florida homestead exemption
    Age of home Built before January 1, 2008 (required for the grant)
    Insured value $700,000 or less (required for the grant)
    Income Grants are prioritized for low-income homeowners (at or below 80% of county median income) and moderate-income homeowners (below 120%), with homeowners 60 and older first in each group
    Inspection You must complete the program's free hurricane mitigation inspection before applying for a grant

    If your home was built in 2008 or later, it was built under a newer edition of the Florida Building Code and does not qualify for the grant. The free inspection has no income test, so a homeowner who isn't eligible for a grant can still get one.

    What the Grant Can Pay For on a Roof

    The program funds four improvements, and only the ones your initial inspection report recommends. Three of them are roof work:

  • Roof deck attachment: re-nailing the roof deck so it resists uplift in high wind.
  • Secondary water resistance: a self-adhered underlayment sealed to the deck, which limits water intrusion if the roof covering is damaged.
  • Roof-to-wall attachment: clips or straps that tie the roof structure to the walls.

    • The fourth is opening protection: impact-rated windows, doors, garage doors and skylights. That work is done by window and door contractors, but it counts toward the same $10,000 grant.

    !Self-adhered secondary water resistance underlayment being fastened over the roof deck during a roof replacement in Boynton Beach, FL

    Secondary water resistance going down over the deck in Boynton Beach, one of the grant-eligible roof improvements.

    Here is why a roof replacement and an MSFH grant so often go together. Once the old roof comes off, the deck is exposed, and deck nailing, the secondary water barrier and roof-to-wall connections are all reachable at the same time. The grant can help pay for those parts of the job. The new roof covering itself is still the homeowner's cost, and the program is explicit that no other construction work is funded.

    Roof-to-wall strapping is structural work. All Phase holds both a roofing license (CCC-1331464) and a general contractor license (CGC-1526236), so one company can handle both the roof and the structural connections.

    How the Process Works, Step by Step

    The program has a set order, and doing things out of order can cost you the grant. The most important rule: do not start any work before you receive written grant approval. Work begun before approval is disqualified from reimbursement.

  • Create an account on the program portal at mysafeflhome.com and complete the short prioritization questionnaire.
  • Wait to be placed in an inspection group, then complete the inspection application.
  • Have your free hurricane mitigation inspection. The program assigns a licensed inspector; you cannot use your own.
  • Review your inspection report. It lists which improvements are recommended for your home.
  • Apply for the grant, including your contractor's name and state license number and your current homeowners insurance declarations page.
  • Wait for written approval. Only then should work begin.
  • Have the approved work completed by a licensed contractor. You have 18 months from approval to finish the work and request the final inspection.
  • Request the final inspection through the portal. You get one opportunity, so make sure all work is complete and permits are closed first.
  • Submit your draw request with the contractor's invoice and your insurer's discount information. Matching-grant homeowners also submit proof of payment in full; low-income grants do not require it.

    • How All Phase Handles a My Safe Florida Home Project

    Once a homeowner brings us in, our part of the process looks like this:

  • A site visit and attic assessment come first. We look at the roof from above and the structure from inside the attic, because roof-to-wall connections and deck attachment cannot be judged from the street.
  • You get a line-item proposal. Every grant-eligible improvement is listed separately from the roof covering, so it is clear which items match your inspection report and which are your cost.
  • The payment schedule follows milestones, not one lump sum up front.
  • The work follows our 10-step roof replacement process.

    • Whether or not you end up using the grant, the assessment is free and carries no obligation. If the grant will not cover what your roof actually needs, we will tell you.

    A live person answers every call, and we guarantee scheduling within 24 hours. Call (754) 227-5605.

    Request a free roof assessment

    If You Don't Qualify, or Your Group Isn't Open Yet

    Many homeowners searching for a roof grant will find their home is too new, their income is above the limits, or their priority group hasn't opened. You still have options:

  • Get the free inspection anyway, if your home is eligible for it. The inspection report documents your home's hurricane-resistant features, and the program recommends sharing it with your insurance agent to make sure you receive the wind mitigation discounts you qualify for.
  • Financing. If the roof needs replacing now, our financing options let you get the work done and pay over time.
  • Know your price before you decide. Our roof cost calculator shows city-specific pricing for Broward and Palm Beach County.
  • Watch for the next phase. The program is funded by the Legislature and opens to priority groups in stages. Check mysafeflhome.com for updates.

    • Frequently Asked Questions

    Is there a free roof replacement grant in Florida? Not in the sense most people mean. My Safe Florida Home is the main state program. For most applicants it is a matching grant capped at $10,000, and it pays for specific hurricane-hardening items, not the roof covering. Low-income homeowners can qualify for up to $10,000 with no match.

    How much does My Safe Florida Home pay? Up to $10,000. For matching grants, the state pays $2 for every $1 the homeowner pays, until it reaches $10,000.

    Will the grant pay for my whole new roof? No. The roof covering is not an eligible improvement. The grant can help pay for deck re-nailing, secondary water resistance and roof-to-wall connections, which are done during a replacement. You can estimate your total with our roof cost calculator.

    Can I start the work and apply afterward? No. Work started before written grant approval is disqualified from reimbursement.

    Is my house too new to qualify? If your home was built on or after January 1, 2008, it is not eligible for the grant.

    Do condos qualify? Not for this program. Condominium associations have a separate condo pilot program at mysafeflcondo.com.

    Is the program accepting applications right now? The program opens in phases, beginning with low-income homeowners 60 and older, and the schedule depends on funding. Check mysafeflhome.com for the current status.

    Who does the My Safe Florida Home inspection? A licensed inspector assigned by the program, not your contractor. The inspection report determines which improvements the grant can pay for.

    Does All Phase do My Safe Florida Home work? Yes. We were one of the original program contractors and still do program work in Broward and Palm Beach County.

    What does All Phase do first on a grant project? A site visit and attic assessment, then a line-item proposal with a milestone payment schedule.

    Can one contractor do both the roof and the roof-to-wall strapping? We can. All Phase holds both a roofing license (CCC-1331464) and a general contractor license (CGC-1526236).

    What if I don't qualify for the grant? You can still get a free, no-obligation roof assessment from us, look at financing, and, if your home is eligible, get the program's free inspection to share with your insurance agent.

    Take the Next Step

    Whether you are waiting on a My Safe Florida Home inspection, holding an approved grant, or just trying to find out what your roof really needs, start with a free, no-obligation assessment. All Phase Construction USA has served Broward and Palm Beach County since 2006 from our office in Deerfield Beach. We are a GAF Certified Contractor and we install hurricane-rated roofs to the Florida Building Code. Find your city on our service areas page, or call (754) 227-5605. A live person answers every call, and we guarantee scheduling within 24 hours.

    Request a free roof assessment

    Program details in this guide come from the My Safe Florida Home program's published rules and FAQ as of November 2026. Rules and funding change with each legislative session; confirm current requirements at mysafeflhome.com.

    Need Professional Roofing Service?

    Contact All Phase Construction USA for expert roofing services in Broward and Palm Beach County.

    Call (754) 227-5605

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