Pre-Loss
Florida Impact-Resistant Upgrades: Discounts and Protection
Impact windows, hurricane shutters, roof deck adhesive, and secondary water resistance reduce damage and generate premium credits.
Impact windows, hurricane shutters, roof deck adhesive, and secondary water resistance reduce damage and generate premium credits.
Pre-loss
Why this matters before you have a claim
Florida building code and wind mitigation credits reward impact-resistant upgrades. Typical credits 10-40% on the wind portion of premium. Upgrades also reduce damage from actual storms.
What to do
The basics
- 01
Step 1
Get a current wind mitigation inspection
- 02
Step 2
Prioritize openings (windows and doors) for impact protection
- 03
Step 3
Consider roof deck adhesive and secondary water resistance at next re-roof
- 04
Step 4
Install hurricane shutters or impact windows
- 05
Step 5
Update wind mitigation form after each upgrade
- 06
Step 6
Submit to carrier for credit adjustment
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What kind of damage?
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Know the traps
Common mistakes
- XUpgrading without updating the wind mit form
- XSkipping secondary water resistance (large credit)
- XInstalling DIY shutters that don't meet code
When to seek professional help
If this topic intersects with an open claim or if you have questions that go beyond prep, a licensed Florida public adjuster can review your policy at no cost.
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Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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