What do you do if you need a new roof and can’t afford it?

Stack three funding sources in order: insurance claim, state grant, then financing. First, get a free inspection and file a claim if the damage ties to a named storm. Florida law gives you up to 1 year for hurricane claims. Second, apply to the My Safe Florida Home grant for up to $10,000 toward hurricane-hardening work, including a fortified roof. Third, finance the remainder through Enhancify (FoxHaven’s lender partner) at $500 to $200,000 with monthly terms. PACE programs in some Florida counties also fund roofs through property tax assessments, though APRs run higher. Senior homeowners on fixed income should check county weatherization aid through the FoxHaven Cares partner directory.