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Cape Coral to open insurance deductible program next week

Writer: Melissa Montoya
Published: Updated:
City hall in Cape Coral. CREDIT: WINK News

The City of Cape Coral will open up its application for the Insurance Deductible Program on Monday.

The State Housing Initiatives Partnership Program allocates funding to jurisdictions that disburse it to homeowners who need help paying their insurance deductibles to move forward with repairs caused by Hurricane Ian.

The application will become available on the city’s website, under the Hurricane Ian Recovery tab, on Monday at 8 a.m. The application will close on Dec. 3.

Please submit a complete application and all required documents to the zoning counter at City Hall and sign in in the Q-less system under “Housing/Mortgage Assistance”.

City Hall is located at 1015 Cultural Park Blvd. Cape Coral. It is open from Monday to Friday from 8 a.m. to 4 p.m.

The counter is closed from 12 to 1 p.m. daily.

The county will be closed during the Thanksgiving holiday.

The city said not to email the application because the state of Florida has very broad public records laws.

Lee County Applications will not be accepted.

The city said the funds are extremely limited and are not awarded on a first-come, first-serve basis. State program requirements prioritize very low-income households and households with documented special needs.

Important Application and Program Requirements

1. Gross Income of all household members cannot exceed the amount below.

Lee County, Florida

Income Guidelines Chart (2022) *

Your annual income must fall within the categories below

Household Size

80% Area Median Income (AMI)


















2. Home must be the primary residence as evidenced by Homestead Exemption.

3. LEEPA Value of the home cannot exceed $403,616.

4. Payments must be made to licensed contractors and will not be paid to the homeowner.

5. Bank statements and income information are required for all household members over the age of 18.