My Safe Florida Home
Approved Contractors
Jacksonville & Northeast Florida
Up to $10,000 in matching grants from the State of Florida to harden your home against hurricanes. P1Mitigators handles every trade — roofing, shutters, doors, structural connections — one contractor, one call. Serving Duval, St. Johns, Clay, Nassau, Baker, Flagler & Putnam counties.
What Is the My Safe Florida Home Program?
A state-funded initiative by the Florida Department of Financial Services designed to help homeowners strengthen their homes against hurricanes — and save money on insurance.
Wind Mitigation Inspection
Qualified inspectors evaluate your home's wind resistance and provide a detailed report with specific recommendations for qualifying improvements.
Matching Grants up to $10,000
A 2-to-1 match — the state pays $2 for every $1 you spend. Contribute $5K on a $15K project and get the full $10K.
Lower Premiums by Law
Florida law mandates insurance discounts for wind mitigation improvements. Your upgrades pay for themselves.
How the 2-to-1 Match Works
The state pays $2 for every $1 you contribute toward approved hurricane-hardening upgrades — up to a maximum of $10,000 in state funds.
To unlock the maximum $10,000 in state funds on a $15,000 project, you contribute $5,000 out-of-pocket. If your project costs less, the state still pays $2 for every $1 you put in.
Low-Income Homeowners: No Match Required
If your household income is at or below 80% of the county median income, you are not required to pay a matching contribution. The state can fund up to $10,000 in approved upgrades with zero out-of-pocket match.
- Up to $10,000 fully funded — no matching dollars required
- Exempt from the $700,000 insured-value cap that applies to other applicants
- You must still maintain an active homeowners insurance policy to qualify
Complete MSFH Services We Provide
Every service available under the My Safe Florida Home program — all coordinated by P1Mitigators under one project manager.
Hurricane Straps
StructureMetal connectors that secure roof trusses to wall framing, preventing roof uplift during hurricane-force winds. Required by Florida Building Code for wind zone compliance.
Fortified Roofing System
RoofIBHS FORTIFIED-certified roofing that exceeds code with sealed roof deck, enhanced shingle attachment, and drip edge protection for maximum storm resilience.
Insulation Install
EnergyAttic and wall insulation upgrades including fiberglass batts, blown-in cellulose, mineral wool, and spray foam to improve energy efficiency and structural integrity.
Radiant Barrier
EnergyReflective attic barrier that reduces heat transfer by up to 97%, lowering cooling costs and extending roof life in Florida's intense heat.
Wind Mit Inspection
InspectionCertified inspection evaluating your home's wind resistance — roof covering, deck attachment, roof-to-wall connections, opening protection, and secondary water resistance.
4-Point Inspection
InspectionComprehensive inspection of your home's four major systems: roof, electrical, plumbing, and HVAC. Required by most Florida insurers for policies on homes 25+ years old.
Home Inspector
InspectionFull property inspection covering structural integrity, foundation, roof condition, electrical, plumbing, HVAC, and overall safety compliance.
Mitigation Grant Application
GrantComplete assistance with your My Safe Florida Home grant application — paperwork, documentation, before/after photos, and reimbursement submission.
Opening Protection
OpeningsImpact-rated windows, hurricane shutters, and reinforced doors that protect against wind-borne debris. Includes accordion, roll-down, and panel shutter systems.
Roof Deck Attachment
RoofStrengthening how plywood sheathing connects to roof trusses using 8d ring-shank nails or structural adhesive (SWR peel-and-stick) for superior hold.
Roof-to-Wall Connection
StructureHurricane clips and straps that tie your roof structure to load-bearing walls, the single most important structural upgrade for wind resistance.
Roof Covering Upgrade
RoofUpgrading to a wind-rated roof covering system — architectural shingles, metal roofing, or tile — that meets current Florida Building Code standards.
SWR (Secondary Water Resistance)
RoofA sealed peel-and-stick membrane applied directly to roof decking that prevents water intrusion even if shingles are blown off during a hurricane.
Exterior Doors
OpeningsWind-rated entry doors, French doors, and sliding glass doors with reinforced frames meeting Florida Building Code for high-velocity hurricane zones.
Garage Door Bracing
OpeningsReinforcement kits and wind-rated garage door replacements that prevent the largest opening in your home from failing during hurricane winds.
New Windows
OpeningsComplete window replacement with impact-rated or hurricane-resistant units that meet Florida Building Code for high-velocity wind zones, improving protection and energy efficiency.
Door Seals/Framing
OpeningsWeatherstripping, threshold seals, and reinforced door framing to eliminate gaps and improve structural integrity against wind-driven rain and pressure changes.
Who Qualifies?
The MSFH program is available to Florida homeowners who meet these requirements:
The 3 Key Steps to the Program
INSPECT
A quality wind mitigation inspection of your home is the first step towards making it stronger to withstand hurricanes and saving you money on your home insurance.
- Share your report with your insurance carrier to make sure you're receiving all available discounts on the hurricane portion of your premium.
- Be your roadmap to retrofitting your home with proper improvements to strengthen it against hurricanes and gain any available discounts.
STRENGTHEN
Using the recommendations contained in your inspection report is the next step towards strengthening your home against hurricanes through the following home improvements:
- Roof & Structure — Strengthen roof-to-deck attachments, reinforce roof-to-wall connections, install secondary water resistance for roof.
- Opening Protection — Window upgrades, exterior door upgrades (including garage doors).
SAVE
Strengthening your home against hurricanes through proper improvements is a proven path to gain discounts on the hurricane portion of your home insurance premium.
- Inform your insurance agent or carrier about the improvements you have made to gain available discounts on your home insurance premium.
- Speak with them about any other options available for you to save money.
- Wind upgrades provide discounts by law.
Start Your My Safe Florida Home Survey
Take this quick survey now. Count your windows and doors, add approximate sizes and ages, and we'll build your hurricane-hardening scope and help you qualify for up to $10,000 in matching grants.
Why P1Mitigators for Your MSFH Project?
All Trades In-House
Roofing, shutters, doors, structural reinforcements — we handle every upgrade under one project manager.
Full Documentation
We provide all before/after photos, paid invoices, and reports needed for your grant reimbursement application.
Wind Mitigation Reports
We coordinate certified wind mitigation inspections and 4-point inspections required for the program.
Northeast Florida Coverage
Serving all of Duval County, St. Johns, Clay, Nassau, Baker, Flagler, and Putnam counties.
Fast Turnaround
Most hardening projects completed in 2-6 weeks. We manage timelines, permits, and inspections.
Insurance Premium Savings
We document every improvement so your carrier applies the maximum available wind mitigation discount.
MSFH Contractors Serving Northeast Florida
P1Mitigators provides My Safe Florida Home services across all of Northeast Florida. We are approved MSFH contractors serving the following counties and cities.
Duval County
St. Johns County
Clay County
Nassau County
Baker County
Flagler County
Putnam County
Grant Reimbursement Documentation
After your upgrades are completed, you'll need the following documentation for your reimbursement. P1Mitigators provides all of this.
Grant Award Letter
Copy of your official MSFH grant award notification.
Paid Contractor Invoices
Itemized invoices from P1Mitigators showing all completed work and amounts paid.
Before & After Photos
Documented photographic evidence of all improvements made to your home.
Proof of Insurance Discount
An updated quote, email, or new declarations page from your insurance provider acknowledging the upgrades.
Payment Verification
Information detailing where the reimbursement check should be sent.
Official MSFH Resources & Links
Helpful external resources for the My Safe Florida Home program.
My Safe Florida Home — Official Site
Apply for matching grants, check eligibility, and find program details.
MSFH Grant Application Portal
Start your grant application directly through the state portal.
MSFH Form 1802 Explained
Understand the wind mitigation inspection form used by the program.
Florida DFS — Hurricane Preparedness
State resources for hurricane preparedness and insurance information.
IBHS FORTIFIED Home Program
Learn about FORTIFIED certification standards for hurricane-resilient homes.
Florida Building Code
Current Florida Building Code requirements for wind resistance.
Frequently Asked Questions
What is the My Safe Florida Home program?
Who qualifies for the My Safe Florida Home program?
What if I'm a low-income homeowner?
How much grant money can I receive?
What does a wind mitigation inspection cover?
Why choose P1Mitigators as your MSFH contractor in Jacksonville?
How long does the process take?
Can I use the program to lower my insurance premium?
What documentation do I need for grant reimbursement?
Does P1Mitigators serve areas outside Duval County?
What's the difference between a Wind Mitigation and a 4-Point Inspection?
Ready to Harden Your Home?
Take the free windows & doors survey to see if your home qualifies for the My Safe Florida Home program. We coordinate every hurricane-hardening upgrade across Duval, St. Johns, Clay, Nassau, and surrounding counties — no phone call required.
ATTENTION FLORIDA HOMEOWNERS
Always be sure to use a licensed contractor registered with the State of Florida for any improvement work you decide on completing. We recommend getting bids from at least three contractors so you can compare pricing and choose the best option to suit your needs.
Contractor Info