Do You Need a Permit to Replace Impact Windows in Miami-Dade?
Answer
Yes — Miami-Dade County requires a building permit for every window replacement under Florida Building Code §105.1. The county is in the HVHZ, where unpermitted work voids insurance claims and triggers stop-work orders.
Florida Building Code §105.1 requires a permit for any work that changes a building's structure, weather envelope, or life-safety systems. Window replacement does all three — even a single opening counts. Inside the High-Velocity Hurricane Zone (HVHZ) the rule is enforced strictly: there is no "like-for-like" exemption that lets you skip the permit, and there is no allowance for owners to self-certify HVHZ-rated installs.
The consequences of skipping a permit aren't just regulatory. Florida insurers routinely deny hurricane-damage claims when post-loss inspections find unpermitted window work, on the grounds that uncertified products may not meet the assumed wind-load resistance. At resale, every Miami-Dade title search runs a permit-history check; an open or missing permit on file blocks the closing until it's resolved or expressly waived in writing.

