Florida law requires insurers to provide premium credits for homes with approved hurricane mitigation features, and impact windows are one of the most significant qualifying improvements a homeowner can make. A completed impact window installation triggers a new wind mitigation inspection (Form OIR-B1-1802), and the resulting credits can substantially reduce the windstorm portion of a homeowner’s insurance premium. The exact savings depend on the insurer and the current policy structure, but Haven’s Fort Lauderdale customers consistently report that the annual premium reduction meaningfully accelerates the payback period on the window investment.
Beyond insurance, impact windows reduce cooling costs in Fort Lauderdale’s climate by blocking a significant portion of solar heat gain through the glass. A low-E coating on the interior pane reflects infrared energy back outside before it heats the living space, which reduces the load on the air conditioning system during the months when it runs continuously. Haven includes low-E options in every Fort Lauderdale estimate so homeowners can evaluate the energy performance alongside the storm protection and insurance benefits.