How impact windows lower your insurance

The legal mandate

Florida law requires the discount

Florida Statute §627.0629 requires every property insurer in the state to offer premium discounts for verified wind-mitigation features. Impact-rated opening protection — your windows, doors, and garage door — is one of the largest credits available, frequently worth 15–45% of the windstorm portion of your premium.

This applies to private carriers and to Citizens Property Insurance, which applies up to an 88% maximum total wind-mitigation discount across all categories combined (opening protection, roof shape, roof-to-wall connections, and more).

The form that unlocks it: OIR-B1-1802

To receive the credit, your insurer needs a completed Uniform Mitigation Verification Inspection Form (OIR-B1-1802) documenting your impact-rated openings. Many homeowners install impact windows and then never file the paperwork — leaving thousands of dollars on the table every year.

The one rule that trips people up

To capture the full opening-protection credit, every glazed opening must be protected — windows, entry doors, sliding doors, and the garage door. A single unprotected opening can void the credit. That's why we plan whole-home coverage and flag the garage door early.

Stack the savings

• My Safe Florida Home grant — free wind-mitigation inspection plus matching grants up to $10,000. See if you qualify →
• Florida sales-tax exemption — impact windows & doors are sales-tax exempt for homesteaded homes through June 30, 2029.
• Energy savings — laminated insulated glass trims your cooling bills year-round.
• $0-down financing — monthly insurance & energy savings can offset much of the payment.