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. Separate from wind-mit credits: under Florida Statute 627.7011(2), code-required upgrades during a future rebuild are deemed covered by ordinance or law at 25 percent of the dwelling limit unless the carrier holds your written refusal on an OIR-approved form.
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
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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 next.
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.
Free claim review
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 next.
No obligation. No fee unless recovery.
Licensed Florida public adjuster.
Know the law
Related statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
Go deeper
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Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓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 next.
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