Florida law mandates wind mitigation discounts. Impact windows qualify for the maximum tier. Here's exactly how much you'll save — by county, by premium, by home size.
Discounts vary by county based on proximity to coast and HVHZ designation. All figures represent windstorm premium reduction.
| County | Avg. Annual Premium | Typical Reduction | Annual Savings | 10-Year Savings |
|---|---|---|---|---|
| Miami-Dade (HVHZ) | $11,200 | 40% | $4,480 | $44,800 |
| Broward (HVHZ) | $9,800 | 38% | $3,724 | $37,240 |
| Palm Beach | $8,900 | 35% | $3,115 | $31,150 |
| Lee / Collier | $9,200 | 33% | $3,036 | $30,360 |
| Sarasota / Charlotte | $7,400 | 31% | $2,294 | $22,940 |
| Hillsborough (Tampa) | $7,100 | 30% | $2,130 | $21,300 |
| Pinellas (St. Pete) | $7,600 | 29% | $2,204 | $22,040 |
| Orange (Orlando) | $5,400 | 27% | $1,458 | $14,580 |
*Based on average homeowner premiums reported by Florida OIR. Individual savings vary by insurer, coverage amount, and property details.
Florida Statute 627.0629 mandates that all admitted insurance companies operating in Florida must offer premium discounts for wind mitigation features — including impact-resistant windows and doors.
The discount is applied after a certified wind mitigation inspection using Form OIR-B1-1802. We coordinate this inspection as part of every installation. Your insurer has no discretion — the discount is legally required.
The discount applies to the windstorm portion of your homeowners insurance — typically 40-60% of your total premium. This is where the biggest savings live.
After installation, a licensed inspector completes Form OIR-B1-1802 documenting your impact windows. We coordinate this — it's included with every install.
The completed form is submitted to your insurance company. They are legally required to recalculate your premium and issue a refund for any overpayment.
Your new lower premium takes effect at your next renewal (or immediately if mid-term). The discount is permanent as long as the windows remain in place.
Free in-home quote within 48 hours. We calculate your exact insurance savings before you spend a dollar.