Florida hurricane protection

There may be programs that cover part of your storm protection.

State grants, no-money-down financing and insurance credits can all apply to roofing, impact windows and doors. We connect you with a licensed contractor approved to work under those programs — starting with a free assessment.

Book my free assessment Text SAFETY to (727) 295-4312 →

Program-approved licensed contractors No cost, no obligation Pick your own appointment time

Storm Readiness Check3 questions · about 30 seconds

When was your home built?

Florida's statewide building code took effect in 2002, with roofing requirements strengthened later.

How old is your roof?

Roof age and deck attachment are among the biggest factors in how a home performs in high wind.

Are your windows and doors impact-rated?

Unprotected openings are a common weak point during high winds and windborne debris.

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This is a general guide based on your answers — not an inspection, an insurance determination, or a guarantee of eligibility for financing or savings.

Saffir-Simpson hurricane wind scale

Sustained wind speeds in mph · Category 3 and above are classified as major hurricanes

Cat 174–95

Cat 296–110

Cat 3111–129

Cat 4130–156

Cat 5157+

Ways to pay for it

Three programs Florida homeowners use

Most people assume storm protection is entirely out of pocket. Often it isn't. Which of these fits depends on your income, your home's equity and your insurer — and that's what the assessment sorts out.

State grant

My Safe Florida Home

Income-qualified homeowners

A Florida Department of Financial Services program offering a free wind mitigation inspection and matching grants of up to $10,000 toward impact windows, impact doors, shutters and roof upgrades.

Low-income homeowners may receive up to $10,000 with no match required
Moderate-income homeowners may receive matching funds
Contractors we refer you to are approved to work under the program

Read this first: the current cycle is limited to low- and moderate-income homeowners, and starting any work before your grant is approved disqualifies the application. Apply at mysafeflhome.com — we don't administer the program.

Financing

PACE financing

Homeowners with equity, any credit score

Property Assessed Clean Energy financing, offered in Florida by providers like Ygrene, covers roofs, impact windows and doors with nothing out of pocket to start.

No minimum credit score; a soft credit pull that won't affect your score
Approval based mainly on your home's equity and ability to repay
Fixed rates, repayment terms up to 20 years, no money down

Understand the trade-off: PACE is repaid through your property tax bill and secured by an assessment on your home. That can affect selling or refinancing until it's paid off. Ask the contractor and the provider to walk you through it before you sign.

Insurance

Wind mitigation credits

Any Florida homeowner

Florida insurers give premium credits for documented wind mitigation features. A wind mitigation inspection records what your home already has — sometimes worth money even if you change nothing.

Roof covering, deck and roof-to-wall attachment
Roof geometry and secondary water resistance
Opening protection on windows and doors

No promises here: whether you get a credit, and how much, is decided entirely by your insurance carrier. Anyone quoting you a guaranteed percentage is guessing.

Hurricane Safety Services doesn't administer, approve or fund any of these programs, and we're not an agent or representative of the Florida Department of Financial Services, any lender, or any insurance company. We refer you to licensed Florida contractors who are approved to perform work under them. Eligibility, approval and terms are decided by the program, the lender or your carrier.

How it works

Book a time, meet a program-approved contractor, decide for yourself

Hurricane Safety Services doesn't perform the work or run the programs. We connect you with an independent licensed Florida contractor who is approved to work under them, so you can find out what you qualify for without chasing it down yourself.

STEP 01

Tell us about your home

Answer a few quick questions about your roof, windows and doors. It takes under a minute and there's no cost.

STEP 02

Pick your appointment time

Choose a slot that works for you directly on the contractor's live calendar. You'll get a confirmation right away and a reminder before the visit.

STEP 03

Review your options

The contractor walks the property, explains what they found, and tells you which programs your home and situation actually qualify for. Whether you do anything about it is entirely up to you.

What gets evaluated

What the assessment actually covers

Older roofs and unprotected openings are where Florida homes tend to fail first in a severe wind event. The assessment documents the condition of both, so you know where you stand before deciding anything.

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Features reviewed on a Florida wind mitigation inspection

Building code compliance year
Roof covering and roof deck attachment
Roof-to-wall attachment
Roof geometry and secondary water resistance
Opening protection on windows and doors

Roof condition and age

The contractor checks the roof covering, its approximate age, and how the deck is attached — the details that matter most when wind loads hit.

Window protection

Which of your windows are impact-rated and which openings are currently unprotected, confirmed from glass etching and labels rather than guesswork.

Doors and sliders

Entry doors, sliding doors and garage openings — the entry points homeowners most often overlook until one of them fails.

Wind mitigation features

Which of the features an insurance inspector looks for your home already has, and which it doesn't — useful whatever you decide to do next.

Our contractor network

Independent licensed Florida contractors

Every assessment is performed by an independent licensed Florida contractor from our partner network, matched to where your property is. We only refer contractors who are licensed and approved to perform work under the programs above. The contractor handles the on-site visit and, if you separately choose to have work done, everything that follows. Any contract for work is between you and that contractor directly — not with Hurricane Safety Services.

You'll see exactly which contractor you're booking with before you confirm your appointment, and their state license details are provided to you directly before any work begins.

Book your visit

Pick a time that works for you

Tell us a little about your home, then choose your appointment slot on your assigned contractor's live calendar. You'll get confirmation immediately — no phone tag.

Free and no obligation — you decide whether to move forward.
Performed by an independent licensed Florida contractor.
Typically takes 45–60 minutes at your home.
Reschedule or cancel any time from your confirmation email.

Prefer not to book online? Call (727) 295-4312

1 Your details

2 Pick a time

Start your free assessment

Two quick steps. Next you'll choose your appointment time.

Full name

Please enter your name.

Phone

Enter a 10-digit phone number.

ZIP code

Enter a 5-digit ZIP code.

We need a valid email to send your booking confirmation.

What should the contractor look at?

Your information is used to schedule and follow up on this assessment only.

Choose your appointment

Pick any open slot on the calendar below.

Got it, there — your details are saved. Now just pick a time. Your assessment will be performed by Hightide Home Pros, a licensed Florida contractor serving your area.

Calendar not loading? Call (727) 295-4312 and we'll book it for you.

You're booked

A confirmation is on its way to your email. Hightide Home Pros will see you then.

What happens next

You'll get a reminder before the appointment.
Plan for about 45–60 minutes, and have both homeowners there if possible.
If you have a recent wind mitigation report or insurance declarations page, have it handy.
Need to change it? Use the link in your confirmation email or call (727) 295-4312.

Why homeowners book one

Know where your home stands

A clear picture

See which parts of your home are most exposed to wind and debris, instead of guessing or waiting to find out during a storm.

Plain-language answers

A walkthrough of what the contractor found, in terms you can actually act on — or file away for later.

Insurance context

Understand which wind mitigation features your insurer looks for. Whether any credit applies is your carrier's decision, not ours.

No cost, no pressure

Free either way, and you're free to get other opinions. Doing nothing is a perfectly good outcome.

Questions

Frequently asked questions

Is Hurricane Safety Services a government program?

No. Hurricane Safety Services is a private referral program. We are not operated by, affiliated with, or endorsed by the State of Florida, the My Safe Florida Home program, FEMA, any insurance company, or any government agency.

Who actually does the work?

Independent licensed Florida contractors from our partner network. Which one you're matched with depends on where your property is. Hurricane Safety Services is not a licensed contractor and does not perform construction work — we connect homeowners with contractors who do. Any agreement for work is made directly between you and that contractor, and you'll see who you're booking with before you confirm.

Does booking an assessment obligate me to buy anything?

No. The assessment is free and exists to help you understand your options. You decide whether to move forward, and you're free to get other quotes.

Will replacing my roof or windows lower my insurance?

It might. Some qualifying wind mitigation features can result in credits or discounts, but eligibility and the amount of any savings are determined solely by your insurance carrier. Nobody in this process can promise you a specific number, and you should be skeptical of anyone who does.

Can you get me a My Safe Florida Home grant?

No — nobody can, other than the state. My Safe Florida Home is run by the Florida Department of Financial Services, you apply directly at mysafeflhome.com, and DFS alone decides eligibility and awards. What we do is connect you with a contractor approved to perform work under the program, who can tell you whether your home and income are likely to fit before you invest time in applying. One warning worth repeating: if you start work before your grant is approved, you disqualify the application.

What's the catch with PACE financing?

It isn't a catch so much as a trade-off you should understand. PACE requires no money down and has no minimum credit score — approval rests mainly on your home's equity and your ability to repay, with only a soft credit pull. But repayment runs through your property tax bill and is secured by an assessment against the home, which can complicate selling or refinancing until it's paid off. It's a reasonable option for plenty of homeowners and a poor one for others, particularly anyone planning to sell soon. Ask the provider to explain the lien before signing anything.

Will this actually lower my insurance?

It might, and we won't pretend to know by how much. Florida insurers give credits for documented wind mitigation features, but eligibility and the amount are decided solely by your carrier — not by us, not by the contractor. A wind mitigation inspection is worth doing regardless, because it documents what your home already has. Be skeptical of anyone promising you a specific percentage.

What areas do you serve?

Florida homeowners. Availability depends on the property location and the type of work involved. If you're outside the service area, we'll tell you rather than waste your time.

What happens after I book?

You'll get an immediate confirmation email with your appointment time and a link to reschedule, plus a reminder before the visit. Your assigned contractor may also contact you to confirm details.

Hurricane season runs June through November

Find out what your home actually needs.

Book your free, no-obligation assessment with a licensed contractor.

Book my assessment (727) 295-4312 Or text SAFETY to the same number