Home Insurance Reduction Announced by DeSantis - Not Everyone Qualifies

March 05, 2025 Nation Green Homes

Attention, Florida Homeowners!

Not Everyone Qualifies for the Home Insurance Reduction

If you thought that just by living in Miami-Dade, Broward, or Palm Beach you would automatically receive the home insurance reduction recently signed by Governor Ron DeSantis… we’ve got news for you: That’s NOT the case.

This reduction was approved to help homeowners reduce costs and improve the safety of their homes. But not everyone qualifies. If your home has an old roof, fragile windows, or lacks structural improvements, you might miss out on these savings. .

What’s This Tax Relief About & How Does It Affect You?

In February 2025, DeSantis announced that homeowners in high-risk areas could qualify for insurance reductions if they met certain requirements. But here’s the catch: Homes that are not in top condition may be left out.

If your roof is deteriorated, your windows are outdated, or your home isn’t hurricane-resistant, forget about getting an insurance discount. The state is rewarding homeowners who have invested in making their homes safer, not those waiting for assistance without taking action.

Here’s the deal: if your roof is old, your windows are outdated, or your home isn’t hurricane-resistant, you won’t qualify for the discount. The state is rewarding homeowners who have already invested in protecting their homes, not those waiting for help without making improvements.

¿How Can You Make Sure You Qualify?

Upgrade Your Roof – . An old or damaged roof won’t just keep you from getting discounts—it can also increase your insurance costs.

Install Impact Windows & Doors – Protecting your home from hurricanes and flooding isn’t just smart—it can lower your insurance rates and increase your chances of qualifying for additional state benefits.

Make Sure Your Home Meets the Program’s Requirements – Living in a high-risk area doesn’t automatically qualify you. The state will evaluate the condition of your home before granting any discounts.

Why Does This Matter for Your Home Insurance?

Florida is experiencing an unprecedented home insurance crisis. According to the Insurance Information Institute, home insurance costs have risen by over 102% in the last three years. Having a secure home with a strong roof and impact windows can significantly lower your insurance premiums—a huge relief for any homeowner.

Lower Your Mortgage Costs – If you have a mortgage, insurance is mandatory. A stronger, safer home means lower insurance rates. Many insurers won’t cover homes with old roofs or weak structures, leaving homeowners with expensive policies or, even worse, no coverage when disaster strikes.

Disaster Protection – A renovated home is more resilient against natural disasters, reducing the likelihood of filing insurance claims and helping keep your premiums lower.

How Can Nation Green Homes Help?

At Nation Green Homes, our goal is to make sure your home is safe, efficient, and saves you money. We help you:

Check If You Qualify – We visit your home and help you access funds tailored to your needs.
Secure State-Approved Funding – Get a new roof, impact windows, and doors with NO upfront costs. Pay nothing for the first 18 months after the project is completed.
Lower Your Insurance Costs – Home upgrades give you access to discounts and increase your property’s value.
Work With Certified Experts – We only use top-quality materials and trusted professionals, so you don’t have to worry about unreliable contractors.