How Much Can You Save on Florida Home Insurance with Impact Windows?

Florida homeowners insurance carriers are required by state law to offer premium credits for verified wind mitigation features — and impact-rated windows and doors are one of the strongest credits on the form.

The OIR-1802 wind mitigation form

Your insurance carrier requires a wind mitigation inspection (OIR-1802) by a licensed Florida inspector. The form documents roof shape, roof-to-wall connection, opening protection, and other features that affect hurricane risk.

How impact windows score

To qualify for the maximum opening-protection credit, every glazed opening (windows, doors, skylights) must be protected to the highest impact rating in your wind zone. Partial coverage typically delivers a smaller credit.

Typical savings

Real-world Florida policy savings from a full impact upgrade often offset a meaningful portion of the upgrade cost over the first 5-10 years. Exact savings depend on your carrier, ZIP code, and home characteristics — ask your agent for an itemized credit breakdown before and after.

Next step

Schedule your free measurement with ClearView Impact Systems and we'll recommend a licensed wind mitigation inspector after install — call (561) 464-6272.