Do hurricane windows reduce insurance in Florida?

Installing hurricane windows can possibly reduce your insurance premiums in Florida, as many insurers offer discounts for storm-resistant home upgrades.

Below you will find answers to additional frequently asked questions from our readers about hurricane windows.

Will installing these windows result in lower premiums?

Hurricane windows are designed to protect homes from wind and debris during severe storms, reducing the likelihood of expensive claims. As a result, many Florida insurance providers offer premium discounts for homes equipped with certified hurricane windows that meet state building codes.

Are insurers likely to reward this protective measure?

Insurers are highly likely to reward this upgrade, particularly in Florida, where hurricanes are a significant risk. By investing in hurricane windows, you demonstrate proactive measures to protect your property, which insurers recognize as lowering their risk. Discounts may vary depending on the insurance company, but hurricane windows are commonly considered a qualifying improvement for wind mitigation credits.

How much savings can I realistically expect?

Savings on insurance premiums can range from 5% to 20%, depending on your location, the level of risk in your area, and your insurer’s policies. For homeowners in high-risk areas, these savings can add up over time, helping to offset the initial cost of the windows.

Do I need documentation or certifications for insurance discounts?

Yes, you’ll need documentation proving that the windows meet building code requirements, such as Florida Building Code or Miami-Dade County certifications. Insurers may also require a wind mitigation inspection to confirm the installation and compliance with state standards.

Learn More about Storm Smart Hurricane Screens

Storm Smart’s hurricane windows are engineered to meet Florida’s strict building codes, providing superior protection and helping you qualify for insurance discounts. Our high-performance windows enhance your home’s safety, energy efficiency, and value. Contact us today to learn more about our impact-resistant solutions and how they can save you money while protecting your home.