How Much Can You Save on Florida Home Insurance with Impact Windows?
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Impact windows and your homeowners insurance: how the wind mitigation credit is calculated →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.
About the author
This guide was written by ClearView Impact Systems, a Florida Certified General Contractor (License #CGC1530499) installing hurricane impact windows and doors across Palm Beach, Broward, Miami-Dade, Martin and St. Lucie counties. We pull permits directly with local building departments and install with in-house W-2 crews rather than subcontractors, so the guidance here reflects what we deal with on site — permitting, inspections, product approvals and insurance documentation — rather than general advice.
Building code, insurance credits and state grant programs change. This page reflects our understanding as of . For requirements specific to your address, confirm with your local building department or call us at (561) 464-6272.
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