How much do impact windows save on insurance

How much do impact windows save on insurance

Who doesn’t love saving money on insurance? The experts at Florida Engineered Glass Corp know how to make that happen. Our answer: hurricane glass windows. Since we are in the winter months, now is the best time to incorporate these powerful windows into your home before storm season hits in the summer. We promise our customers will not be disappointed by our impact window Miami.

It is the Time to Save Money

No matter where you live in the state, it is appropriate to take a look at your homeowner’s insurance policy. You need to be fully aware of what type of coverage you have and whether or not you need additional protection from hurricanes. If you are a homeowner who lives near the beaches, you must consider hurricane insurance. If this is the case, check to see what discount you may be eligible for. You can trust our impact window Miami.

Discounts for Hurricane Glass Windows

If you don’t own them already, consider implementing a hurricane glass window. In hurricane-prone areas like Miami, this safety step will mitigate damage and insurance costs, so insurance agents often offer savings for such upgrades. Some hurricane-risk areas even legally require that protected home discounts be available to homeowners.

Windows are one of the most cost-effective updates to the home, and they generally earn the highest return on insurance discounts. This is because openings in the home are some of the most vulnerable points, and the glass from a broken window poses an additional threat. So, by updating them, you are reducing the potential damage insurers will have to pay for.

We suggest you contact your insurer before you make home upgrades to discuss what you will need to do to qualify for discounts, as the requirements and value will vary depending on where you live and which insurer you use.

Installing impact-resistant windows can save you a few hundred dollars a month, or even more than $10,000 per year, depending on your area and your insurance provider. On top of that, these types of changes will keep your home more protected against costly repairs from hurricane damage. If you update all home openings to be reinforced or hurricane-proof, you can often get a much larger discount for the combined strength. Sometimes you can cut your premiums almost in half.

We even suggest installing hurricane-resistant doors. These will help keep winds from adding more wind forces to your home, as well as garage door and skylight upgrades, and retrofitting of other potential leak points. Your insurer can tell you what the requirements are for your home.

The insurance discounts will continue annually, after a 1-time expense to reinforce your home. Talk to your insurance provider, and calculate the overall savings per year compared to the cost of the updates. Often, you will find they pay for themselves quickly, as you continue to save money.

Install Our Impact Window Miami

At Florida Engineered Glass Corp. we genuinely care about the safety of your home and family. We also want to ensure that you get the discounts you deserve with hurricane glass windows. We offer the best hurricane windows and doors Miami, Florida! Our variety of impact products will keep you satisfied and your house protected.  When it comes time to prepare for the next hurricane, get a step ahead of the game and call us for a free estimate on our impact window installation.

We look forward to protecting your home.

Having impact windows installed on your property offers a wide array of benefits. They provide excellent hurricane protection. And they help keep your house safe from burglaries and break-ins, and they offer excellent savings on your energy bills. One of the lesser known benefits of impact windows, however, is their insurance savings. For more information on how storm windows can help you save big, here’s ASP Window’s guide to the insurance benefits of impact windows.

In 2015, the State of Florida passed legislation which states that insurance providers must offer discounts to those who have implemented wind mitigation techniques designed to limit damage to their property from winds and storms. Enshrined in Statute 627.0628, it reads:

“a rate filing for residential property insurance must include actuarially reasonable discounts, credits, or other rate differentials,

How much do impact windows save on insurance

or appropriate reductions in deductibles, for properties on which fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm have been installed or implemented.”

 Several items qualify under the statute as a “wind mitigation” feature, including:

  • The doors and windows must withstand high wind loads and projectiles.
  • Roofing materials that protect a home from wind and rain.
  • Special products are preventing the walls or roofs during the rainstorm so they stay in their place.
  • Building or roof shapes that are more resistant to high winds.

Impact windows clearly fall under this definition, as people designed them specifically to withstand substantial damage from winds and debris. So, what does that mean for the average homeowner? For instance, simply put, it means significant savings! While each insurance provider is different, and you might want to find more information from homeowner insurance providers, in some instances, homeowners have received up to a 45% discount on their home’s insurance premiums – a very big savings indeed!

What Do You Need for an Insurance Discount?

When it comes to insurance discounts things can vary a bit from provider to provider, so before you install any impac

How much do impact windows save on insurance
t windows, it is best to consult with your homeowner’s insurance provider to see what insurance incentives will be available to you after hurricane windows are installed. Generally speaking, though, you typically require the the following information in order to receive a discount on your insurance premiums:

  • You need to provide your insurance company with a wind mitigation inspection report.
  • The mitigation techniques chosen must cover all openings in your property.
  • Insurance discounts do not apply to mobile homes.
  • The insurance discount only applies to any wind damage which is part of your policy.
  • The impact windows must comply with the current Florida Building Code.

If you are looking to install impact windows to protect your home this hurricane season, we’re here to help. At ASP Windows, we want you to be worry free when the next storm’s coming. We’re have a license and insurence. And we have a Ygrene certificate. We offer no down payment and 100-percent financing until December 2018 on new impact windows and installation. Contact us today at (888) 782-8342 for a free in-home estimate on our extensive range of fully customizable windows, doors, and glass. Also, if you’d like to get to know more information about the difference between home insurance and home warranty, visit https://homewarranty.firstam.com/articles/what-is-a-home-warranty.

Do impact windows reduce insurance?

When you choose to replace your old windows with high-impact, hurricane resistant windows your savings will include reduced insurance premiums, lowered energy bills, and increased resale value of your home.

How much money does impact windows save on insurance?

They are typically made with double or even triple pane glass and, as an added bonus, they're naturally energy-efficient. Depending on where you live in Florida, these can help you potentially save anywhere from 8% to 15% on your insurance policy.

Are hurricane impact windows worth the cost?

Impact windows do cost more than traditional windows, but they very well may pay for themselves by preventing extensive and expensive damage to your home. They are also more efficient, saving on energy costs, and can help significantly increase the value of your home and reduce your homeowners' insurance costs.

Do impact windows increase value of home?

Impact Doors You don't have to do anything, just close them! They are also a great investment for your home, whether or planning on staying there for a while or thinking about selling, impact windows can dramatically increase your home's value.