1. Mitigation Savings and Tax Credits
  2. Schedule a CEU 
  3. Funding Options to Help Rebuild or Re-Roof 
  4. Resilience Policy and Legislation

Mitigation Savings and Tax Credits

Florida Administrative Code - Residential properties that installed fixtures or used construction techniques that have been demonstrated to reduce windstorm loss qualify for premium discounts on insurance. FORTIFIED qualifies.

My Safe Florida Home - Homeowners may be eligible to apply for a Matching grant where for every $1 provided, the state will provide $2 toward the actual cost of an authorized mitigation project (or 2/3s of the project cost up to $10,000). Property owners may qualify for NO state sales tax (6%) on retail purchases of impact-resistant doors, impact-resistant garage doors, and impact-resistant windows from July 1, 2022 through June 30, 2024.
Mitigation retrofits may potentially lower home insurance premiums by participating in the program.

Florida Wind Insurance Savings Calculator - Calculate insurance savings based on home features, planned upgrades, or added mitigation measures.

Hurricane Loss Mitigation Program - The Hurricane Loss Mitigation Retrofit Grant funds retrofits, inspections, and construction or modification of building components that are designed to increase the ability of a structure to withstand flooding and hurricane-force winds for residential, commercial, and mobile home properties. FORTIFIED qualifies.

Florida Property Assessed Clean Energy (PACE) - Provides financing for up to 100% of the costs for resiliency efforts made to residential or commercial property. Property owners repay the financing for the PACE improvements through a special assessment which is added to their property tax bill each year of an agreed-upon term. FORTIFIED qualifies.


We are approved for Continuing Education Credits for Insurance Agents.

"Really appreciated this class. Very rarely have I been in a CE class that actually teaches me something USEFUL for my team to offer to customers. Appreciate it!" -Oklahoma Insurance Agent

Funding Options to Help Rebuild or Re-Roof

Small Business Administration Loans - Those affected by a disaster can rebuild stronger by increasing their SBA disaster assistance loan up to 20% of the verified physical damage to make mitigation improvements. There is no cost to apply, and you are under no obligation to accept a loan if approved. 

  • Generally, borrowers have two years after loan approval to request an increase for higher rebuilding costs, code-required upgrades, or mitigation.
  • Call (800) 659-2955 and ask about increasing your loan for mitigation purposes, or visit sba.gov/disaster for more information.

Fannie Mae HomeStyle Renovation Loans - A mortgage that provides a simple and flexible way for borrowers to renovate or make home repairs with a conventional first mortgage, rather than a second mortgage, home equity line of credit, or other more costly methods of financing.​

Fannie Mae HomeStyle Energy Loans - A mortgage that helps lenders offer financing for homeowners to increase home energy efficiency and reduce utility costs.

  • Both HomeStyle Renovation and HomeStyle Energy mortgages may be combined with a HomeReady® mortgage so that low-income borrowers can take advantage of flexible features and additional savings.

USDA- Single Family Housing Repair Loans & Grants - A loan program providing loans to very-low-income homeowners to repair, improve, or modernize their homes. Grants are also available for elderly very-low-income homeowners to remove health and safety hazards.

HUD 203(k) Loans - A loan program for rehabilitating and repairing single-family properties allowing homebuyers and homeowners to finance both the purchase or refinancing of a house and the cost of its rehabilitation through a single mortgage or to finance the rehabilitation of their existing home.

  • The 203(k) program permits homebuyers and homeowners to finance up to
    $35,000 into their mortgage to repair, improve, or upgrade their homes.

HUD Mortgage Insurance for Disaster Victims - 203 (h) - Loan program for renters or homeowners if their homes are located in an area designated by the President as a disaster area and were destroyed or damaged to such an extent that reconstruction or replacement is necessary. These loans may be used to finance the purchase or reconstruction of a one-family home that will be the homeowner's principal residence.

  • The borrower must submit their application to an FHA-approved lending institution within one year of the President's disaster declaration.

Resilience Policy and Legislation

There is currently no policy or legislation supporting FORTIFIED.