At Steadfast Roofing, we believe homeowners deserve trusted help—especially after storms. That’s why we’re highlighting the Homeowner Disaster Assistance Program (HDAP) offered by the City of Tampa. If your roof or home was affected by hurricanes like Hurricane Helene or Hurricane Milton, this program can be a game-changer. We’ll walk you through what it is, how it works, why roofing matters, and how you (and we) can make the most of it.
What is the HDAP?
The Homeowner Disaster Assistance Program (HDAP) is a relief initiative from the City of Tampa designed to help primary‐homesteaded homeowners who sustained damage from Hurricane Helene or Hurricane Milton.
Here are the key features:
- It’s for owner-occupied, homesteaded residences inside Tampa city limits.
- Homeowners must meet income eligibility (generally up to 140% of Area Median Income (AMI)) to qualify.
- The program offers three main categories of assistance:
- Insurance Deductible Assistance (up to ~$10,000)
- Mortgage Assistance (up to ~$5,000 for homeowners whose mortgage became delinquent because of storm‐related impact)
- Cost of Repair Assistance (reimbursement for eligible homeowners who paid out-of-pocket for repairs)
- The maximum reimbursement for some applicants was noted at around $20,000 under earlier program parameters.
Why It Matters (Especially for Roofing)
As roofers serving the Tampa Bay area, we at Steadfast Roofing understand the importance of roof health—not just for aesthetics, but also for protection, insurance compliance, resale value, and long-term durability. Here’s how HDAP ties into what we do:
- Storm damage often hits roofs first. Whether it’s missing shingles, leaks, structural damage, uplift, or weakened underlayment, a compromised roof opens the door to bigger problems. A program like HDAP provides homeowners with a financial tool to address these issues.
- An insurance deductible means faster repairs. If a homeowner’s insurance policy covered the event but left them with a hefty deductible, HDAP’s deductible assistance can make the difference between repairing now and delaying. That helps keep properties safe, dry, and protected from further damage.
- Reimbursement for repair costs means validation for professional work. When a homeowner shows an invoice for roof replacement or repair, that strengthens the case for funding. As trusted contractors, we help ensure the job is completed to code, properly documented, and eligible for assistance.
- Avoiding deferred repairs. Delaying may seem cheaper in the moment, but roof issues escalate quickly—moisture infiltration, mold, decking rot, higher insurance premiums, and even policy non-renewals. HDAP can help homeowners stay ahead of that.
- Local credibility for our clients. As Steadfast Roofing, being aligned with local programs like HDAP reinforces our credibility in the community. We serve Riverview, Tampa, and the surrounding ZIP codes, so being knowledgeable about local assistance is a competitive advantage.
How the HDAP Process Works (and How We Can Help)
Here’s a practical step-by-step guide for homeowners—plus how we at Steadfast Roofing can support you through each step.
Step 1: Confirm Eligibility
- You must live in the home, be the primary resident, and the home must be your homestead.
- The damage must be from Hurricane Helene or Milton.
- Your household income must fall within the thresholds (up to ~140% AMI), and the home must be inside Tampa’s city limits.
How Steadfast Roofing Helps: We’ll inspect your roof, provide a detailed estimate, supply photographs, and document damage—critical for fulfilling the “storm damage” eligibility requirements.
Step 2: Gather Documentation
You’ll need:
- Government-issued ID for adults in the household
- Proof of ownership and homestead exemption.
- Proof of insurance claim (if applicable), paid invoices, contractor receipts, and other repair documentation.
- Documentation of income (pay stubs, benefit statements, etc.).
How We Help: We provide the contractor invoice with line items for repairs, ensure proper permitting (if required), and demonstrate that repair work is complete and meets building code.
Step 3: Submit Pre-Application / Application
While some HDAP cycles have closed registration, homeowners should monitor future opportunities or related programs like the Homeowner Hurricane Assistance Program (HHA) launched later by the city.
How We Help: We advise clients on scheduling and timing repairs so that documentation aligns with application windows. We also provide guidance on linking roofing work to eligibility criteria.
Step 4: Complete Repairs (if needed) & Submit Final Documentation
Once approved, some programs require a post-repair inspection, submission of all receipts, and confirmation that the work has been completed. Some funds are disbursed in installments (half up-front, half after completion) for outstanding repairs.
How We Help: With Steadfast Roofing, you’ll receive proof of completion, images before/after, permit closures, and warranty documentation—everything that helps streamline reimbursements or approvals.
Why Choose Steadfast Roofing for Program-Assisted Work
As a locally based roofing company serving Riverview and the greater Tampa Bay region, here’s why partnering with us makes sense if you’re leveraging HDAP (or preparing to):
- Storm-Resilient Roofing Systems: We understand Florida’s hurricane-prone environment and install roofs designed to meet local codes and insurance requirements.
- Documentation expertise: We produce detailed estimates, line-item invoices, condition photographs, and final reports—keys for assistance programs.
- Timely response: Program windows can be tight. We help schedule inspections and repairs quickly to align with deadlines.
- Transparent communication: We clearly explain the scope, allow the homeowner to review it, and provide consistent updates so you feel confident throughout.
- Warranty & longevity: Beyond simply doing the job, we back our work with warranties and ongoing service, helping to protect your investment long-term.
Key Takeaways & Next Steps
- If you’re a homeowner in Tampa whose roof or home was damaged by hurricanes Helene or Milton, the HDAP (and related city programs) can provide meaningful financial relief.
- Don’t delay: Start by scheduling a professional roof inspection with Steadfast Roofing. Identify the damage, obtain an estimate, and gather relevant documentation.
- Ensure all required documentation (income, proof of damage, contractor invoices, insurance claims, permits) is gathered early to avoid delays or ineligibility.
- Use the opportunity to have a roof installed or repaired that meets not just today’s needs but future hurricane seasons—resilient, strong, and built to last.
Next Steps
Ready to move forward? Contact Steadfast Roofing today at 813-851-2276 to request your complimentary inspection. We’ll assess your roof, document any damage, and help you determine if you’re eligible for HDAP. Let’s protect your home, your family, and your investment together.
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