State Investment Doubled in My Safe Florida Home Program: Challenges and Successes

State Investment Doubled: Challenges and Successes of the My Safe Florida Home Program

Florida lawmakers have recently doubled the state’s investment into the My Safe Florida Home program, aiming to help homeowners afford home improvements to lower their property insurance rates. While the program has shown success in conducting home inspections and allocating grants, many homeowners like Jack Kelly from South Tampa have faced challenges navigating the application process.

Kelly’s experience with the program began when his insurance company required him to replace his roof and install hurricane protection. However, the program’s inspector stated that it would not cover roof replacement or new hurricane windows, leading to confusion and frustration for Kelly. He highlighted the difficulties of understanding the program’s rules and using its website, especially for the elderly.

Despite these challenges, the state reports that the My Safe Florida Home program has conducted over 999,000 home inspections and allocated more than $383 million in grants to fortify homes against storms. Kelly eventually completed the process, but it took a full year.

In response to Kelly’s struggles, ABC Action News investigated his case and contacted the Chief Financial Officer’s office responsible for the program. While the office expressed willingness to assist those facing complications, there is still a need for a clear plan to help individuals without computer or phone access.

Former Deputy Insurance Commissioner Lisa Miller praised the program as a significant legislative win but acknowledged the need for further actions to address rising insurance rates. Other legislative efforts, such as premium tax reductions and changes to homeowners association bylaws, are also being considered to stabilize insurance premiums.

The My Safe Florida Home program has proven beneficial for many homeowners, but the challenges in navigating the application process remain. State officials continue to seek improvements and provide support to those in need, ensuring that the program can effectively help homeowners lower their property insurance rates.