The connection
Florida insurers care a lot about how a home handles wind. Homes with impact-rated windows and doors are harder for storms to damage, and insurers have programs — often called wind mitigation credits — that can lower premiums for homes with verified wind-resistant features. Whether and how much your premium changes depends on your insurer, your policy, and your home.
We can't promise you savings — here's why
You'll see ads claiming specific dollar or percentage savings from impact windows. We won't do that. Premiums depend on your carrier, your coverage, your home's age and construction, and factors that have nothing to do with windows. Any specific number anyone quotes you is a guess, not a guarantee.
What actually helps your case with the insurer
Documentation. Keep your contract, the product approval numbers, and the final inspection sign-off. A wind mitigation inspection. After the work is done, a licensed inspector can document your home's wind-resistant features on the state's uniform mitigation form — this is what insurers use to apply credits. Opening protection on every opening. Partial protection (some windows done, some not) typically earns less than full-home protection.
Questions to ask your insurance agent
Before you buy windows, call your agent and ask: Do you offer wind mitigation credits for impact windows? What documentation do you need? Does the credit require every opening to be protected, or is partial protection enough? Is a new wind mitigation inspection required? Get the answers in writing — then keep them with your window paperwork.
Ready to protect every opening? Get your free quote.