Back to Florida

SB1148 • 2026

My Safe Florida Home Program

My Safe Florida Home Program

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor
Bracy Davis
Last action
2026-03-13
Official status
Senate - Died in Banking and Insurance
Effective date
2026-07-01

Plain English Breakdown

The official source material does not provide specific details on how many homeowners will benefit or what happens when applicants miss deadlines for responding to notifications about their applications.

My Safe Florida Home Program

This bill updates rules for the My Safe Florida Home Program to provide clearer guidance on how applicants can avoid having their applications abandoned or withdrawn.

What This Bill Does

  • Requires the Department of Financial Services to notify applicants if their application is deemed abandoned due to non-compliance with deadlines and allows them to submit a subsequent grant application if they demonstrate good cause within five business days.
  • Prohibits an application from being deemed withdrawn by the department if the applicant responds to notifications, demonstrates good cause for any error or omission, and corrects it within five business days.

Who It Names or Affects

  • Homeowners in Florida applying for hurricane protection grants through the My Safe Florida Home Program.

Terms To Know

Good cause
A reasonable explanation for why an applicant missed a deadline or made a mistake on their application.

Limits and Unknowns

  • It is not clear how many homeowners will benefit from the changes made by this bill.
  • The bill does not specify what happens if an applicant misses the deadline for responding to a notice about their application being abandoned or withdrawn.

Bill History

  1. 2026-03-13 Senate

    • Died in Banking and Insurance

  2. 2026-01-13 Senate

    • Introduced

  3. 2026-01-12 Senate

    • Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Appropriations

  4. 2026-01-05 Senate

    • Filed

Official Summary Text

My Safe Florida Home Program; Requiring the Department of Financial Services to notify applicants in specified circumstances; authorizing applicants to submit subsequent applications in certain circumstances; prohibiting an application from being deemed withdrawn if an applicant responds to notice and makes certain demonstrations and corrections, etc.

Current Bill Text

Read the full stored bill text
Florida Senate
-
2026

SB 1148

By
Senator Bracy Davis

15-00383E-26 20261148__
1 A bill to be entitled
2 An act relating to My Safe Florida Home Program;
3 amending s. 215.5586, F.S.; requiring the Department
4 of Financial Services to notify applicants in
5 specified circumstances; authorizing applicants to
6 submit subsequent applications in certain
7 circumstances; prohibiting an application from being
8 deemed withdrawn if an applicant responds to notice
9 and makes certain demonstrations and corrections;
10 providing an effective date.
11
12 Be It Enacted by the Legislature of the State of Florida:
13
14 Section 1. Paragraph (j) of subsection (2) and subsection
15 (3) of section 215.5586, Florida Statutes, are amended to read:
16 215.5586 My Safe Florida Home Program.—There is established
17 within the Department of Financial Services the My Safe Florida
18 Home Program. The department shall provide fiscal
19 accountability, contract management, and strategic leadership
20 for the program, consistent with this section. This section does
21 not create an entitlement for property owners or obligate the
22 state in any way to fund the inspection or retrofitting of
23 residential property in this state. Implementation of this
24 program is subject to annual legislative appropriations. It is
25 the intent of the Legislature that, subject to the availability
26 of funds, the My Safe Florida Home Program provide licensed
27 inspectors to perform hurricane mitigation inspections of
28 eligible homes and grants to fund hurricane mitigation projects
29 on those homes. The department shall implement the program in
30 such a manner that the total amount of funding requested by
31 accepted applications, whether for inspections, grants, or other
32 services or assistance, does not exceed the total amount of
33 available funds. If, after applications are processed and
34 approved, funds remain available, the department may accept
35 applications up to the available amount. The program shall
36 develop and implement a comprehensive and coordinated approach
37 for hurricane damage mitigation pursuant to the requirements
38 provided in this section.
39 (2) HURRICANE MITIGATION GRANTS.—Financial grants shall be
40 used by homeowners to make improvements recommended by an
41 inspection which increase resistance to hurricane damage.
42 (j) A homeowner who receives a grant shall finalize
43 construction and request a final inspection, or request an
44 extension for an additional 6 months, within 1 year after grant
45 approval. If a homeowner fails to comply with this paragraph,
46 his or her application is deemed abandoned and the grant money
47 reverts to the department.
The department must notify the

48
applicant if an application is deemed abandoned. If the

49
applicant responds to such notification within 5 business days

50
and demonstrates good cause for the failure to comply with this

51
paragraph, the applicant may submit a subsequent grant

52
application.

53 (3) REQUESTS FOR INFORMATION.—The department may request
54 that an applicant provide additional information. An application
55 is deemed withdrawn by the applicant if the department does not
56 receive a response to its request for additional information
57 within 60 days after the notification of any apparent error or
58 omission.
The department must notify the applicant if an

59
application has been deemed withdrawn. If the applicant responds

60
to such notification within 5 business days, demonstrates good

61
cause for any error or omission, and corrects the error or

62
omission in that time period, the application may not be deemed

63
withdrawn.

64 Section 2. This act shall take effect July 1, 2026.