My Safe Florida Home: 2026–27 Update
Learn How You Can Get a Rebate for Upgrading Your Home
The My Safe Florida Home Program offers rebates for Florida homeowners who meet certain qualification criteria. Learn more about the MSFH program and how it can help you get money back for adding program-compliant windows and doors to your home!
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About the My Safe Florida Home Program
My Safe Florida Home is a program created by the State of Florida to help homeowners make critical hurricane resistance upgrades to their homes. The program first started in 2006 and is accepting applications for the 2026–27 fiscal year. Funding is limited.
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Fast Facts for 2026–27
Karoly Windows & Doors is a licensed Florida contractor (#SCC131152010). Working with homeowners throughout Tampa Bay, we’ve helped many homeowners protect their homes from hurricanes by installing new impact-resistant windows and doors, and many of our customers have used the My Safe Florida Home program to help pay for them. Here are a few key facts about the program for 2026–27:
Matching Grants of Up to $10,000
The My Safe Florida Home program is accepting applications for the 2026–27 fiscal year. Eligible homeowners may receive a matching grant of up to $10,000: the State generally contributes $2 for every $1 the homeowner contributes, and low-income homeowners may receive up to $10,000 without a match. Funding is limited.
Applicants Are Prioritized by Income & Age
The State prioritizes applicants by income and age, and funding is limited. Create an account on the program’s portal at mysafeflhome.com to get started.
Grants Are Given AFTER You Pay for Upgrades
The MSFH Program does not provide money for proposed improvements. Grant payouts are made after the upgrades have already been paid for. Unlike a loan, you don’t have to repay, so improvements are made first.
Home Eligibility Basics
To get a free wind mitigation inspection, your home must be owner-occupied, site-built and homesteaded, and a single-family home, detached or attached (such as a townhome), not over three stories. Rental properties and mobile homes don’t qualify.
Funding Is Limited
Funding for the program is limited, and the State prioritizes applicants by income and age, so it pays to get started early.
MSFH Has a Two-Step Application Process
To receive a grant for funds under the MSFH program, you first need to sign up for a wind mitigation inspection, then file for the grant after it’s done.
The Best Impact Window & Door Brands
When you’re upgrading your home for enhanced resistance to hurricanes, you need to know that the windows being installed are reliable and built to last. That’s why Karoly Windows & Doors partners with the top window manufacturers in Florida!
We source the windows we install from Simonton and PGT. These are the two best brands in Florida for impact windows and doors to protect Tampa Bay homes. They’re reliability is top-notch in the industry and they have decades of experience building windows for hurricane conditions in Florida, making their products tried-and-tested solutions for hurricane season.
Get Impact Windows That Protect Against Hurricane Season
One of the primary goals of the My Safe Florida Home program is to help homeowners throughout the state harden their homes against hurricanes.
Storms are a major risk to both lives and property. Installing impact-resistant windows can help homeowners safeguard their homes and everything inside of them against hurricanes is by installing impact windows that can stand up to major storms.
Secure Windows for a Safer Florida Home
Impact Windows
Double Hung Windows
Sliding Windows
Picture Windows
Casement Windows
Casement windows swing wide horizontally to create a wide opening, but shut tight to keep out wind, rain, and storm debris. Make your home in Florida safer by installing hurricane-resistant casement windows from Karoly!
Awning Windows
Bay Windows
Custom Windows
Not all window openings are a standardized size. Some openings may require custom-made windows. Karoly partners with several manufacturers to provide custom impact windows to best fit your needs and preferences.
Having Trouble Affording New Windows? Get Window Financing!
Because the MSFH program requires you to pay for your windows before you can claim your rebate, it can be difficult to get your new window installed. You need the money for your windows, but you can’t get it until after you’ve already paid for and installed them!
This is where window financing can help. Karoly Windows partners with financial service providers such as GreenSky and Synchrony Financial to offer flexible financing options to homeowners who need a little help paying for their new windows. This includes new options that let you get your new windows installed without having to make a down payment!
Could financing be right for you? Check out our new $0 down payment financing options:
0% Interest Financing Options
Two great plans — see which one fits your budget best.
GreenSky 12-Month Plan
- No payments required for 12 months
- Pay it off within 12 months = 0% interest
- $0 Down Payment
- If paying after 12 months → fixed payments over 84 months
Synchrony 24-Month Plan
- Lower monthly payments starting right away
- Pay it off within 24 months = 0% interest
- $0 Down Payment
- Minimum payment ≈ 3% of balance each month
See Your Actual Monthly Numbers
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MSFH Program Compliant Doors
Protect your home from hurricane-force winds and storm debris by adding impact resistant doors that can take enormous wind pressure and impacts without failing.
Adding strong impact doors to your home can not only earn you a rebate from My Safe Florida Home, it can help keep you and your family safer.
Protect your family and home while earning reimbursement with MSFH program-compliant doors!
My Safe Florida Home Doors
Sliding Glass Doors
Large glass doors give you a great view. However, to protect against hurricane damage, you need glass doors that are made to withstand strong winds and heavy impacts.
Standard Sliding Patio Doors
We offer impact sliding patio doors built to meet missile impact D testing standards as well as MSFH program grant requirements. Upgrade your patio doors and protect your home!
Pocket Sliding Doors
With rails that run along your wall, these doors can open extra-wide, further than standard sliding doors. Upgrade to impact-resistant pocket sliders to meet MSFH requirements.
Bi-Parting Doors
These sliding doors split and lock down the middle. Karoly specializes in installing beautiful and durable bi-parting doors that have extraordinary durability to make your home safer against major storms.
Exterior Doors
Your exterior doors are your first line of defense against hurricane-force winds, rain, and debris. Upgrade yours to be impact-resistant doors that qualify for MSFH program grants.
Entry Doors
Adding impact-resistant entry doors to your home is a great way to enhance your protection against major storms while earning a rebate from the My Safe Florida Home program.
Double Entry Doors
Double doors create an impact on visitors. Make sure that yours can take an impact, too! Safeguard your home against hurricane-force winds and the debris they throw with impact double doors!
French Doors
Add a classical charm while enhancing your home’s wind mitigation with large, heavy-duty French doors that are as beautiful as they are tough with impact-resistant construction.
Why Complete Hurricane Protection Is Necessary
When homeowners think about hurricane winds hitting their homes, they tend to assume that the wind and debris will all come from one direction, so if they protect the windows along the walls where the wind is coming from, they’ll be fine. There are a host of problems with this reasoning.
First, and foremost, you cannot always anticipate what direction the wind and the debris it carries will fly from. Even with accurate forecasting, debris carried by the wind can hit your windows at an angle, causing chips that weaken windows. So, every window should be protected well before a storm is identified by meteorologists.
Second, the side of the home opposite the oncoming wind will experience a suction force. If the windows along that wall aren’t reinforced against negative pressure differentials, then they could end up blowing outwards.
Finally, there are the insurance considerations. If you have a dozen windows that are protected and one that isn’t, and the unprotected window breaks, causing catastrophic damage to the interior of your home, then the insurance company will likely deny the claim because your home had incomplete protection.
By protecting all of your home’s openings with impact windows and doors, you can ensure that you have security against hurricanes enough to have peace of mind throughout the worst storms Florida faces.
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My Safe Florida Home Tampa FAQs Section
How Many Times Can You Apply for the My Safe Florida Home Program?
Once. Each eligible home can be entered into the program a single time.
However, multiple upgrades can be considered at the same time. So, when applying for the program, make sure you perform as many wind mitigation upgrades as possible up front. The more upgrades you make to protect your home from hurricanes, the bigger the rebate you can qualify for (up to the maximum value).
If you find that replacing all of your windows doesn’t bring you to the maximum rebate value under the MSFH program, you could also consider other hurricane mitigation improvements to your home, like reinforcing the connection between your home’s roof and the building frame, impact doors, and home waterproofing improvements.
How Much Does the My Safe Florida Home Program Pay Homeowners
The program offers matching grants of up to $10,000, subject to the program’s approval. For most eligible homeowners, the State contributes $2 for every $1 the homeowner contributes, so a $10,000 grant corresponds to $15,000 of eligible work. Low-income homeowners may receive up to $10,000 without a match.
To learn more about how much your home could qualify for, visit mysafeflhome.com and sign up for a free wind mitigation inspection.
What’s the Cost to Register for a Wind Mitigation Inspection?
The wind mitigation inspection for the My Safe Florida home program is free for qualifying Tampa homeowners. You don’t have to pay a penny to get the inspection done. If you find someone trying to charge you for a wind mitigation inspection, they aren’t part of the MSFH program and should be reported to the authorities.
You can apply for a free inspection through the MSFH program website after creating a portal account.
I Thought I Got $2 for Every $1 I Spend on Wind Mitigation Upgrades?
Generally, yes. For most eligible homeowners, the State contributes $2 for every $1 you contribute, up to a $10,000 grant. For example, $15,000 of eligible work could mean a $10,000 grant and $5,000 from you. Low-income homeowners may receive up to $10,000 without a match. The program determines the final amount.
Are There Other Sources of Funding I Can Use to Upgrade My Doors and Windows?
Yes! The My Safe Florida Home program isn’t the only program that can provide funds for upgrading your home’s doors and windows. For example, there’s the Florida PACE program, which may also provide some funding to help cover the cost of hurricane mitigation and energy efficiency upgrades to your home’s doors and windows in some areas of Hillsborough County.
However, PACE is a loan requiring repayment, unlike the MSFH program.
In addition to PACE, you can also apply for window financing from private lenders like Synchrony and GreenSky, though this is subject to credit approval.
What Are the Requirements for the Free Wind Mitigation Inspection?
To qualify for the free wind mitigation inspection, a home must be:
- owner-occupied (no rental properties);
- site-built (no mobile homes);
- granted a homestead exemption under s. 196.031, Fla. Stat.; and
- a single-family home, detached or attached (such as a townhome), not over three stories.
Apartments, condo units in multi-story buildings, cooperatives and vacation homes generally don’t qualify. Since the inspection is required before a grant, the same rules apply to grants. Condo owners: Karoly still replaces windows and doors in condos; ask us for a quote.
Who Can Apply for My Safe Florida Home Program Grants?
The My Safe Florida Home program is accepting applications for the 2026–27 fiscal year. The program prioritizes applicants by income and age, and only the State can determine eligibility.
To qualify for a grant, generally:
- your home’s insured value is $700,000 or less;
- your home was built before January 1, 2008;
- you completed an MSFH wind-mitigation inspection within the past 24 months; and
- you meet the program’s low- or moderate-income guidelines.
Check your status at mysafeflhome.com or call 850-427-2559.
Karoly Windows & Doors is an independent contractor and is not affiliated with the Florida Department of Financial Services or the My Safe Florida Home program. Program rules, funding and eligibility are set by the State and can change. Sources: s. 215.5586, Fla. Stat. (2026); MSFH: Is funding currently available?
How Long Does It Take to Get Money from the My Safe Florida Home Program?
Generally speaking, it takes about 5-10 business days (i.e., a couple of weeks) for a reimbursement check to arrive in the mail once a rebate is approved following your home’s final inspection.
What Wind Mitigation Improvements Are Covered?
The program divides eligible wind mitigation improvements into four distinct categories:
- Opening Protection. This includes impact-resistant windows and doors.
- Roof-to-Wall Attachment. This covers strengthening the connections between your roof and walls to prevent roof removal in storms.
- Roof Deck Attachment. This covers upgrades to secure your roof deck to your home, such as by adding extra nails.
- Secondary Water Resistance. This category includes a variety of water resistance improvements like applying self-adhering underlayment to sheathing or foam adhesive barriers.
However, to qualify for the MSFH Program, an improvement must be recommended by an inspector with the program. Also, you can perform multiple upgrades with different contractors at once and report them all at the same time to maximize your rebate.
I Have Low Income. Do I Really Need to Pay in Full Before Getting Reimbursed?
Maybe not. Certain low-income homeowners can apply for a grant without having to submit proof that they paid the contractor’s itemized invoice.
However, you should converse with the Florida Department of Financial Services to see if you qualify as a “low income’ applicant before signing off on any major wind mitigation upgrades.
You can email them with inquiries at info@mysafeflhome.com.
Should I Start Installing Windows as Soon as I Submit My Grant Application?
No. It is not recommended to begin reimbursable work until AFTER you have an official grant approval notice.
While there is always value in making recommended wind mitigation upgrades, to get the rebate, it’s important to follow the MSFH process as closely as possible.
Can I Use My Own Inspector for the MSFH Program?
No. My Safe Florida Home does not allow applicants to use their own inspector. The program will assign a licensed inspector contracted with the program.
The program does, however, leverage program-approved contractor quotes when determining if your proposed wind mitigation upgrades are eligible for an MSFH grant.
Why Use Karoly for MSFH Program Work?
Karoly Windows & Doors was the first window replacement company to start working with the state of Florida on the MSFH program and remains one of the top-recommended window companies for homeowners for those looking to leverage it to this day. Some of the reasons we’re highly-recommended include:
Our Commitment to Excellence. We do impact window and door installations the right way every time. We work to ensure that every detail is as perfect as possible to ensure window & door durability and useful life.
Our In-House Installation Team. With Karoly Windows & Doors, the people performing the installation work are Karoly employees. We never farm out installations to third parties, ensuring that every job is done to our high standards.
Our Labor and Material Warranties. We’re so confident in the quality and reliability of our window and door installation services that we offer a 25-year installation warranty and a 50-year material warranty.
Our Best Price Guarantee. We will price match competitor offers for similar window and door installation work. With Karoly, you can trust that you’re getting the best price in the industry on quality workmanship and parts.
Our Track Record. For over twenty years, we’ve consistently earned accolades from our customers and even recognition as a “Best of the Best” window replacement company. We have the experience and history to back up our quality claims.
Work with the best window and door replacement company in Tampa to upgrade your home for My Safe Florida Home-compliant wind mitigation upgrades today!
Areas We Serve
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Impact Window Videos for Safer Florida Homes
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