When considering an upgrade to impact windows and doors, many people’s first concern is protecting their homes and families from hurricanes. While this is the reason these products are often referred to as hurricane windows and doors, it is not the only benefit they can provide. These hurricane protection upgrades can also help reduce costs for Florida Homeowners Insurance policies.
While many factors will determine the exact discount an insurance company will offer, it is required by the State of Florida for insurance to offer these discounts for hurricane protection measures. Passed in 2005, this law states that homeowner’s insurance companies are required to file a list of discounts with the Florida Office of Insurance Regulation for certain construction types or hurricane mitigation measures, including impact windows and doors.
So, what does that mean for you and your homeowner’s insurance premium? Right now, you are likely asking yourself “Do impact windows reduce insurance costs in Florida”? The short answer is yes, they can. According to Olympus Insurance, “To qualify for an opening protection discount, all exterior entries and glazed exterior openings (including doors, windows, skylights and main vents, but excluding roof ridge, gable, soffit and plumbing vents), must be completely covered with impact resistant protective materials.”
While all openings must be protected from hurricanes, not all these openings must be hurricane impact windows and doors. Other certified impact-resistant coverings can be used, like accordion shutters, in combination with impact windows and doors. A popular option for upgrading to hurricane windows and doors is to replace hard-to-reach windows, like clear story windows or those on a second floor, while using certified shutters on lower-level windows and doors that are easy to reach.
To determine if your home qualifies for this discount, your insurance company will ask for documentation for your impact-resistant products, a Wind Mitigation Inspection to be conducted, or both. The best way to determine your potential insurance savings from hurricane impact windows and doors is to contact your home insurance agent before your project begins.
Potential insurance reductions are just one of the additional benefits of impact windows and doors. These benefits can improve your home and provide opportunities to increase the return on your investment. To receive a free estimate for your home, fill out our form or call our office at 561-623-8446.
