Impact windows can reduce home insurance premiums by lowering the risk of wind damage, which qualifies homeowners for wind mitigation discounts.
Insurance providers in Florida offer wind mitigation credits to homeowners who install impact-rated windows that meet state-approved testing standards. These credits directly reduce the windstorm portion of your insurance premium, sometimes by as much as 10% to 45%, depending on the home and insurer.
The reason is simple: homes with properly installed impact glass are less likely to suffer damage from flying debris or sudden pressure changes during hurricanes.
To receive these discounts, homeowners must submit a wind mitigation inspection report showing that all openings, including windows, doors, skylights, are protected with approved impact-rated products. The more comprehensive the protection, the greater the discount.
It’s worth noting that these savings are not automatic. Insurance companies require official documentation before adjusting your rate, and discounts may vary between carriers. Still, over time, the cost savings can offset a portion of the initial installation expense.
In short, by reducing the risk of claims during storms, impact windows make your home safer and cheaper to insure in hurricane-prone regions like Florida.
Monthly Payments As Low As $67
