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Why didn’t I get an insurance discount for my new hurricane-resistant windows on my wind mitigation inspection?
Tuesday, December 22, 2020
The answer to this questions lies in the difference between “hurrcane windows” and “impact windows.” New windows installed throughout Florida are required by code to stand up to the extreme wind pressure exerted on them during a hurricane, and are called “hurricane windows.” Homeowners often show us manufacturer documentation indicating that their new windows are rated by the manufacturer at 130 mph winds or more.
But the only windows that get a discount on the wind mitigation form are “impact windows,” the ones that are also built to take a hit from flying debris during a hurricane. Impact windows or shutters are required by code in South Florida and coastal areas around the state, but not in most of central and north Florida. They are easily identified by a sticker on the frame indicating ASTM and Florida or Miami-Dade Building Code approval numbers.
Also see our blog post What can I do during a hurricane to reduce the possiblity of roof damage?
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