What is the difference between Matching Grants and Low-Income Grants?

There are two types of Hurricane Mitigation Grants: 1) Matching Grants and 2) Low-Income Grants.

Matching Grants

The My Safe Fl Home Matching Grant operates on a reimbursement basis. Grant applications must be approved before any work can begin. At the end of the application process, payment is requested by submitting a Draw Request. A paid-in-full invoice must be provided with the Draw Request. If the Draw Request is approved, homeowners will be reimbursed for up to two-thirds of the total construction costs, with a maximum state contribution of $10,000, subject to legislative appropriation and available funds. 

See "What is the maximum amount I can receive through the My Safe FL Home Program" section for additional information. 

Low-Income Grant

The My Safe FL Home Low-Income Grant offers payment directly to the homeowner to cover actual costs of recommended improvements completed by the contractor. Grant applications must be approved before any work begins.

At the end of the application process, payment is requested by submitting a Draw Request. During the Draw Request process, a paid-in-full invoice is not required to be submitted under this grant program. If the Draw Request is approved, homeowners will receive a check for the actual cost of mitigation work up to the maximum grant allowance of $10,000, subject to legislative appropriation.  It is the homeowner’s responsibility to pay the contractor directly. The My Safe Florida Home Program and the Department of Financial Services are not involved in or responsible for the payment process or communication with the contractor.

Low-Income homeowners are not required to have homeowners’ insurance on the applicable property but must a statement that they do not have insurance if they cannot provide a current declarations page.

See "What is the maximum amount I can receive through the My Safe FL Home Program" section for additional information.