Home Insurance and Hurricane Impact Windows: What You Need to Know

by Impact Windows Center February 19, 2024

Key Takeaways

Hurricane impact windows can lead to significant discounts on your home insurance policy.
These windows are designed to withstand extreme weather conditions, protecting your home from damage.
Insurance companies often require documentation and inspections to validate the installation of impact windows.
Choosing the right type of hurricane impact windows is crucial for maximizing benefits and ensuring safety.
Regular maintenance and professional installation are key to the long-term effectiveness of hurricane-impact windows.

Why Hurricane Impact Windows Matter for Your Insurance

First things first, you might be wondering why you should consider hurricane impact windows. Well, they're not just any windows; they're specifically engineered to resist the high winds and flying debris that hurricanes bring. This means when the next big storm hits, your home is more likely to stay intact, and your family safe inside.

But there's another reason these windows are important: money. Most insurance companies recognize the value of hurricane-impact windows and may offer discounts on your premiums if you have them installed. This is because the risk of damage to your home is reduced, which in turn lowers the likelihood of you filing an insurance claim.

Because of this, installing impact windows is a proactive step that not only safeguards your property but also can lead to substantial savings over time.

Protecting Your Home from Extreme Weather

Hurricane impact windows are made with laminated glass that holds together even when shattered, and sturdy frames that keep the window in place during violent storms. This combination is what gives them the strength to stand up to the kind of forces Mother Nature throws at them during a hurricane.

Lowering Insurance Premiums with Reinforced Windows

Now, on to the savings. By reducing the risk of costly damage during a storm, these windows make your home less of a gamble for insurance companies. They're all about numbers, and anything that lowers risk is likely to lower your premiums as well.

It's not uncommon for homeowners to see a reduction in their insurance costs by up to 45% after installing hurricane-impact windows. However, the exact amount you'll save can vary based on factors like where you live and your specific insurance provider.

Deciphering Policy Savings on Hurricane Impact Windows

To unlock these savings, you'll need to understand your insurance policy's criteria for discounts. It's not as simple as just popping in some new windows and expecting your rates to drop. You'll need to prove that your new windows meet certain standards and that they've been properly installed.

Most insurance companies will ask for documentation such as a certificate of compliance from the window manufacturer or a report from a wind mitigation inspection. These documents serve as proof that your windows are up to snuff and eligible for any available discounts.

Criteria for Insurance Discounts

Here's what you'll typically need to show your insurance company to get a discount:

Certification that your windows meet the American Society for Testing and Materials (ASTM) standards for impact resistance.
Proof of proper installation by a licensed professional.
A wind mitigation inspection report that details the features of your windows and their installation.

Keep in mind, that to qualify for a discount, all of your home's openings need to be protected by hurricane-impact windows or other approved systems. This includes all windows, doors, and skylights.

Documenting Your Upgrades for Proof

When you install hurricane-impact windows, make sure to keep all receipts, certificates, and inspection reports. These will be critical when you approach your insurance company for a discount. Without this paperwork, you may not be able to prove that your home is now better protected against storms.

It's a good idea to contact your insurance agent before you begin the installation process. They can provide specific requirements and guidance to ensure you do everything necessary to qualify for the discount.

Remember, insurance companies aren't just going to take your word for it. They'll want to see hard evidence that your home is more secure.

For example, after installing hurricane impact windows, one homeowner provided their insurance company with a certificate of impact resistance and a completed wind mitigation inspection form. As a result, they saw a 30% reduction in their annual premium, which amounted to hundreds of dollars in savings.

So, if you're considering hurricane impact windows, know that they're more than just a way to protect your home from the weather; they're also a smart financial decision that can pay off year after year in insurance savings.

Choosing the Right Impact Windows

Not all hurricane impact windows are created equal, so choosing the right ones is key. You want to look for windows that have strong, durable frames and laminated glass. The glass should have a layer of polyvinyl butyral (PVB) or ethylene-vinyl acetate (EVA) between two glass pieces. This is what keeps the window intact, even if the glass breaks.

Performance Ratings and Features

When shopping for hurricane-impact windows, pay attention to the performance ratings. These ratings tell you how well the windows can withstand impacts from wind-borne debris and the pressure differences that cause structures to fail during a storm. Look for windows rated for High-Velocity Hurricane Zones (HVHZ) if you live in an area with a high risk of hurricanes.

The features of the windows are also important. Some windows come with additional benefits like UV protection, which can help prevent your furnishings from fading due to sun exposure. Others have sound-dampening features, which can be a godsend if you live in a noisy neighborhood.

Energy Efficiency and Cost-Savings

Besides protection, energy efficiency is another significant benefit of hurricane-impact windows. These windows can help keep your home cool during the hot summer months and warm during the winter, leading to lower energy bills. Look for windows with a low U-factor, which measures the window's insulation properties, and a low Solar Heat Gain Coefficient (SHGC), which measures how well the window blocks heat from sunlight.

U-factor: The lower the number, the better the window insulates.
SHGC: The lower the number, the better the window is at blocking unwanted heat gain.

Installing energy-efficient hurricane impact windows can lead to more savings on your energy bills, adding to the insurance premium reductions and giving you more bang for your buck.

Verification of Compliance with Local Building Codes

Before you make a purchase, you must ensure that the hurricane-impact windows you choose comply with local building codes. These codes vary by region and are designed to ensure that buildings can withstand local weather conditions. Check with your local building department to understand the requirements for your area.

It's also worth noting that some areas may offer incentives or rebates for installing energy-efficient windows, so be sure to ask about any programs that could help offset your initial investment.

Collaborate with Insurers for Maximum Benefits

After you've chosen and installed your hurricane impact windows, it's time to start reaping the financial rewards. But to do so, you'll need to effectively communicate with your insurance company.

Inform your insurance agent about the upgrades as soon as possible. Provide all the necessary documentation and ask about the next steps to ensure you receive the discounts you're entitled to. Your agent can guide you through the process and let you know if there's anything else you need to do.

Communicating Upgrades to Your Insurance Agent

Here's how to communicate effectively with your insurance agent:

Provide copies of all documentation, including the wind mitigation inspection report and the certificates of impact resistance.
Keep a record of all correspondence and conversations with your insurance agent.
Ask for written confirmation of any discounts applied to your policy.

Open communication will help ensure that your policy reflects the increased protection your home now enjoys and that you receive the maximum insurance benefits.

Don't forget to ask your agent if there are any other steps you can take to further reduce your premiums. Sometimes, additional measures like storm shutters or reinforced garage doors can lead to even more savings.

Navigating the Claims Process Post-Hurricane

If the worst happens and a hurricane does cause damage to your home, having hurricane-impact windows may simplify the claims process. Because your home was better protected, the damage may be less extensive, and your claim can be processed more quickly.

In the event of a claim, contact your insurance company immediately to report the damage. Take photos or videos to document the damage and make a list of all affected items. Your preparedness and the added protection of hurricane-impact windows can make a significant difference in the outcome of your claim.

Installation and Maintenance of Hurricane Impact Windows

While you might be tempted to install hurricane-impact windows yourself to save money, it's generally best to have them professionally installed. The effectiveness of these windows is largely dependent on proper installation, and most insurance companies will require proof of professional installation to qualify for discounts.

Once installed, regular maintenance is crucial to ensure your windows continue to provide optimal protection. This includes inspecting the seals and hardware to make sure everything is in good working order and cleaning the windows to prevent dirt and debris from compromising the integrity of the glass and frames.

Maintaining your hurricane-impact windows is not just about keeping them clean; it's about ensuring they're always ready to stand up to the next big storm. By taking good care of them, you're taking good care of your home—and your wallet.

Professional installation is crucial not only for the safety aspects but also for ensuring you meet the insurance criteria for discounts. Hiring a professional means you get their expertise, warranty on the workmanship, and peace of mind that your windows are installed to the highest standards.

Regular maintenance is also vital. It includes checking the window seals and hardware for any signs of wear and tear, and ensuring that the impact resistance of the windows is not compromised over time. Clean your windows regularly to avoid any build-up of dirt or debris which could potentially weaken the structure.

Frequently Asked Questions

As a homeowner considering hurricane-impact windows, you likely have questions about their impact on your insurance and overall home safety. Here are some answers to common queries:

How much can I expect to save on insurance after installing hurricane-impact windows?

The amount you can save on insurance varies depending on your provider and the specifics of your policy. However, homeowners can expect to see discounts ranging from 10% to 45%. These savings are due to the decreased likelihood of damage from hurricanes, which reduces the risk for insurance companies.

Are hurricane impact windows required by law in hurricane-prone zones?

In many hurricane-prone areas, especially in Florida, building codes require new constructions and homes undergoing significant renovations to have hurricane-impact windows or equivalent protection. It's essential to check local regulations to determine if such requirements apply to your home.

Can I install hurricane-impact windows myself or should I hire a professional?

While it might be tempting to install hurricane-impact windows yourself, it is strongly recommended to hire a professional. Proper installation is crucial for the windows to function correctly during a hurricane. Additionally, insurance companies may require professional installation to qualify for discounts.

For example, John, a homeowner in Miami, installed hurricane impact windows and reduced his insurance premium by 30%. He chose a reputable brand and ensured the installation was performed by licensed professionals, which made the verification process with his insurance company smooth and straightforward.

Do all insurance companies offer discounts for hurricane impact windows?

While most insurance companies offer discounts for homes with hurricane-impact windows, it's not a universal practice. Homeowners should consult with their specific insurance provider to confirm the availability and amount of any discounts.

What factors should I consider when choosing a brand or type of hurricane impact window?

When selecting hurricane impact windows, consider the following factors:

The window's impact rating and whether it meets local building codes for hurricane-prone areas.
Energy efficiency ratings, such as U-factor and Solar Heat Gain Coefficient (SHGC), to maximize savings on energy bills.
The reputation of the brand and reviews from other homeowners.
The warranty is offered by the manufacturer and installer.

By taking into account these factors, you can choose the best hurricane-impact windows for your home, ensuring safety, compliance with local regulations, and eligibility for insurance discounts.

In conclusion, investing in hurricane-impact windows is a wise decision for homeowners in storm-prone regions. Not only do they provide critical protection for your property and loved ones, but they also offer the potential for significant savings on your home insurance premiums. By understanding the insurance implications, selecting the right windows, and ensuring proper installation and maintenance, you can enjoy peace of mind and financial benefits for years to come.