Yes, impact windows and doors may lower the wind portion of your Florida homeowners insurance. Florida law requires insurers to offer discounts or credits for features that reduce windstorm losses, and opening protection is one of them. To claim it, you need a wind mitigation inspection on the state form OIR-B1-1802, and the result depends on your home, the inspection and your insurer.
We install impact windows and doors, not insurance. So in this guide we stick to what the law and state agencies say, with links, and we never promise a dollar amount.
Does Florida law require insurers to offer wind mitigation discounts?
Yes. Florida Statutes 627.0629 requires residential property insurance rate filings to include “actuarially reasonable discounts, credits, or other rate differentials, or appropriate reductions in deductibles” for homes with features shown to reduce windstorm loss (Florida Statutes 627.0629).
The law lists the kinds of features that count. They include roof strength, roof-to-wall strength, opening protection, and window, door and skylight strength.
Two more points from the same law are useful:
- Since October 1, 2023, each insurer must post information on its website about the hurricane mitigation discounts it offers.
- Your premium notice must show the hurricane part of your premium separately from the rest.
The Florida Department of Financial Services says it plainly: “Insurance companies are required by law to offer mitigation discounts or credits” (Florida DFS).
What is a wind mitigation inspection?
A wind mitigation inspection is a visit where a qualified inspector documents the wind-resistant features of your home on a state form, so your insurer can decide which credits apply.
The DFS explains the process this way. The inspector documents and photographs the wind mitigation features using the Uniform Mitigation Verification Inspection Form. You then give the form to your insurance company, which reviews it to decide which discounts or credits you are eligible for (Florida DFS).
The current version of the form, OIR-B1-1802, took effect April 1, 2026 (Florida OIR). It has nine main sections:
- Building code
- Region
- Roof slope
- Roof covering
- Roof deck attachment
- Roof to wall attachment
- Roof geometry
- Sealed roof deck or secondary water resistance
- Opening protection
Section 9 is where impact windows and doors come in.
How do impact windows and doors show up on the form?
They count under opening protection, which covers “all openings in the wall and roof including windows, doors, sliding glass doors, skylights, and garage doors” (OIR-B1-1802).
The form asks for the weakest form of wind-borne debris protection on the house. It then rates each type of opening with a letter. In simple terms:
| Level | What it means on the form |
|---|---|
| A | Verified to the cyclic pressure and large missile test (9 lb. for windows and doors) |
| B | Verified to cyclic pressure and a lighter large missile test (4 to 8 lb.) |
| C | Verified plywood or OSB meeting the 2007 code table |
| D | Verified non-glazed entry or garage doors tested for wind pressure |
| N | Looks like A or B but cannot be verified, or other coverings that cannot be identified |
| X | No wind-borne debris protection |
Source: OIR-B1-1802.
Two practical lessons follow from this:
- Do every opening. Because the form looks at the weakest protection, one old unprotected window or door can pull your rating down. That includes the garage door.
- Keep your paperwork. “Verified” matters. Save your permit, final inspection and product approval numbers so the inspector can confirm what was installed. Our post on Miami-Dade NOA vs Florida Product Approval shows how to look up an approval.
Who can do a wind mitigation inspection?
The form must be signed by an inspector allowed under Florida Statutes 627.711. The form lists licensed home inspectors who completed the required hurricane mitigation training, certified building code inspectors, licensed general, building or residential contractors, licensed professional engineers and licensed architects (OIR-B1-1802; Florida Statutes 627.711).
The Florida Office of Insurance Regulation encourages consumers to confirm the inspector is authorized under that statute before hiring them (Florida OIR).
How long is a wind mitigation inspection good for?
Up to five years. The OIR says the form “is valid for up to five (5) years provided no material changes are made to the structure or inaccuracies are found on the form” (Florida OIR).
Replacing your windows and doors is likely a material change. If your current form shows unprotected openings, plan to get a new inspection after your impact windows and doors pass final inspection.
How much does wind mitigation save on insurance?
There is no single number. The law says discounts must be “actuarially reasonable,” and the state sets the ranges insurers can use, but your actual credit depends on your home, your inspection results and your insurer (Florida Statutes 627.0629).
The credit also applies to the hurricane, or wind, portion of the premium, not the whole bill (My Safe Florida Home).
The best way to get a real number is to ask your agent before you buy: “If my opening protection goes from X to A, what changes on my wind premium?” Ask them to put the answer in writing.
Is My Safe Florida Home still available?
As of October 13, 2026, the My Safe Florida Home website showed “Free Wind-mitigation inspections Available” and “$10,000 Grants Available,” with an eligibility check for each (My Safe Florida Home). Funding and rules have changed in past years, so check the site for the current status before you plan around it.
The DFS describes the program this way. It offers free hurricane mitigation inspections and matching grants for eligible homeowners, with the program paying $2 for every $1 the homeowner spends, up to $10,000. The DFS lists these eligibility rules: a homesteaded single-family home or townhome insured at $700,000 or less, an original building permit applied for before January 1, 2008, and an acceptable mitigation inspection after July 1, 2008 (Florida DFS). The program site lists window upgrades and exterior door upgrades, including garage doors, among the eligible improvements (My Safe Florida Home).
If you plan to use the program, start with its inspection and approval steps before you sign a contract. Program rules decide what gets reimbursed.
What should you do next?
- Find your current wind mitigation form, or get a new inspection.
- Look at Section 9. If it shows X or N, your openings are where you have room to improve.
- Ask your insurer what the change could mean for your wind premium.
- Get quotes for approved impact products for every opening.
Our impact windows cost guide shows our pricing: $1,500 to $2,000 for an average-size window and $2,500 to $3,000 for a larger one, depending on brand and size, with permit fees separate. Doors and sliders are quoted after a free measurement.
We have installed about 15,000 windows and doors since 2020 across Broward, Miami-Dade and Palm Beach. See our impact windows, impact doors and sliding glass doors, find your city on our areas page, or contact us for a free measurement.