Florida’s My Safe Florida Condo Pilot Program is a separate program from My Safe Florida Home.
It is designed for eligible condominium associations, not individual unit owners, and currently offers free mitigation inspections plus reimbursement grant funding for approved wind-mitigation improvements.
For associations considering impact windows or doors, the program rules matter before construction starts.
Who applies to the program?
The condominium association applies.
Florida’s current program FAQ says individual unit owners cannot apply directly because the program addresses the building’s collective mitigation needs.
The association should coordinate through its board, governing documents and the program’s required voting process.
What condominiums are currently eligible?
The current Florida Department of Financial Services program page says an eligible condominium building must:
- Be three stories or taller
- Contain at least two residential units per building
- Be located within 15 miles of the coast
- Not consist of detached units on separate parcels
The program also states that associations must satisfy applicable milestone-inspection and structural-integrity-reserve requirements before applying.
Eligibility is determined by the program, so associations should not rely on a contractor’s assumption.
What vote is required?
For the initial mitigation inspection, the board must consent through the voting process required by the program and association bylaws.
For a grant application, the current FAQ states that the board must vote to participate and at least 75% of the unit owners who reside in the building where the work will occur must vote in favor.
That voting requirement should be addressed before the association treats a proposed project as grant-funded.
Can the program pay for impact windows?
Potentially, when the improvement is recommended in the program’s mitigation inspection report and approved through the grant process.
The program says only improvements identified in the inspection report are eligible for reimbursement.
For windows, the current FAQ states that associations must replace all windows recommended for improvement to qualify for the applicable insurance discount. Windows that are already protected do not need to be replaced and are not reimbursed simply because the association chooses to replace them.
That makes the inspection report the project scope—not a generic contractor proposal.
How much funding is available?
The current program FAQ describes a 2-to-1 state match.
For every $1 the association spends, the state contributes $2, subject to program rules, with a maximum state contribution of $175,000 per condominium association.
This is reimbursement funding, not an advance.
The association must be able to fund the approved work first and then complete the program’s reimbursement process.
Can construction start before grant approval?
No.
The current DFS FAQ states that construction must not begin until the grant application is approved.
Work completed before grant approval does not qualify for grant funding.
That is one of the most important sequencing rules for boards and property managers.
What happens after construction?
The program requires a final inspection after the contractor’s work is complete and local permits are closed.
The association must request the final inspection and provide the required final invoice and proof of payment.
The resulting final inspection report is then part of the reimbursement and insurance process.
DFS says the association should provide the insurance company with the final inspection report, including the applicable OIR mitigation form and any building-type mitigation form required for the property.
Does the association have to receive an insurance benefit?
The program’s current FAQ states that the condominium association must receive a mitigation credit, discount or other rate differential to receive grant funding.
That does not mean a contractor can promise a specific percentage savings.
Insurance results depend on the carrier, policy, building characteristics, inspection and rating rules.
For broader insurance context, see our Florida wind mitigation form guide.
What should an association verify before selecting windows or doors?
Before bidding the project, confirm:
- Program eligibility
- Initial inspection report
- Exact recommended improvements
- Required owner vote
- Grant approval status
- Exact product approvals
- Design pressures and building-specific engineering
- Permit requirements
- Contractor scope and payment terms
- Final inspection and reimbursement documentation
For condominium responsibility questions outside the grant program, read our Florida condo impact-window responsibility guide.
Frequently asked questions
Can an individual condo owner apply?
No. The current program requires the condominium association to apply.
Is every coastal condo eligible?
No. The building must meet the program’s eligibility rules, including height, residential-unit, location and other compliance requirements.
Can we start the impact-window project before grant approval?
No. DFS states that work begun before grant approval is not eligible for reimbursement.
Does the program pay contractors upfront?
No. The current program uses reimbursement grants; the association pays for the approved project and follows the final inspection and reimbursement process.
Is every window in the building automatically eligible?
No. Eligibility is tied to the improvements recommended by the program inspection and approved through the grant process.
Authoritative sources
- Florida Department of Financial Services — My Safe Florida Condo Pilot Program
- Florida Department of Financial Services — 2025/2026 Property Insurance Changes
- Florida Statutes — Condominium hurricane protection and mitigation provisions
- Florida Office of Insurance Regulation — Wind Mitigation Resources
The bottom line
My Safe Florida Condo can support qualifying impact-window and door work, but the order of operations matters: eligibility, inspection, voting, grant approval, permitted construction, final inspection and reimbursement.
AA Glass & Windows supports multi-opening and condominium impact projects across Florida. Explore our commercial impact glass service or request a free estimate to discuss a documented project scope.
