Many Hillsborough homeowners believe they’re locked out of help because they don’t carry home insurance. But that’s simply not true. The Hillsborough Disaster Recovery Grant Program was designed to help all homeowners, not just those with policies.
Why Homeowners Go Without Insurance
- Premiums are unaffordable (often $400–$700 per month)
- Insurance companies canceled coverage due to roof age or inspection failures
- Retired or fixed-income families choosing between bills
How the Program Supports Uninsured Homeowners
✅ No Insurance Required – You can still qualify for up to $75,000 in funded repairs.
✅ No Upfront Costs – Projects start with $0 out of pocket.
✅ Safer Homes – New roofs, windows, and doors make your property storm-ready.
✅ Future Discounts – If you decide to get insurance later, your premium will be a fraction of what it would have been with outdated systems.
A Real Example
A homeowner in Brandon went uninsured after her premiums jumped to $6,200 a year. Through the program, she replaced her 20-year-old roof and upgraded to impact windows. She now feels safer during hurricane season and plans to reapply for coverage next year at a much lower cost.
Take Action Before the Next Storm
Hillsborough County is a high-risk zone for hurricanes. If your home isn’t ready, you’re putting both your property and your finances in danger. The grant program ensures you don’t face disaster alone.