Do impact windows really save money on homeowner’s insurance? If you improve your home’s safety, your insurer should see it as a cause for lower risk, right? Learn the truth about the impact of impact windows and insurance premiums in today’s post.
Understanding the Benefits of Impact Windows in Miami Lakes, FL
Impact windows are designed to withstand the intense wind and debris thrown by hurricanes, offering superior protection compared to traditional windows. In areas where the threat of hurricanes is a yearly concern, these windows are not just an upgrade; they’re a necessity. Beyond their robust build and ability to protect, impact windows also provide excellent insulation, leading to lower energy costs, reduced noise pollution and increased UV protection.
How Impact Windows Affect Your Insurance Premiums
Insurance companies often evaluate the risk factor associated with properties when determining premiums. Homes equipped with impact windows are seen as less of a liability, as they significantly reduce the risk of damage during storms. This reduced risk usually translates to lower homeowners’ insurance premiums because insurance companies are less likely to have to pay out for storm-related damages.
Impact Windows and Mitigation Credits
In states like Florida, homeowners can qualify for wind mitigation credits if they take steps to make their homes more resistant to hurricanes. By installing impact-resistant windows, homeowners can apply for these credits, which could lead to substantial reductions in their insurance costs. The amount of the discount can vary depending on the insurance carrier and the specifics of the home, but this initiative provides a financial incentive for homeowners to invest in impact-resistant features.
The Long-Term Savings of Impact Windows
While the initial investment in impact windows can be significant, the long-term savings extend beyond just reduced insurance premiums. These windows can also enhance the energy efficiency of a home, leading to lower energy bills during the hotter or colder months of the year. Additionally, the increased security and durability of impact windows can boost property value, making it an attractive feature for future buyers.
Choosing the Right Impact Windows for Insurance Savings
When shopping for impact windows, it’s crucial to select products that meet the Florida Building Code requirements for wind and impact resistance. Look for windows with the proper labeling to ensure they are certified to protect against high winds and flying debris. It’s also wise to work with a reputable supplier and installer, such as Prestige Windows & Doors, to ensure that the installation is done correctly, as this can impact eligibility for insurance discounts.
Have your new impact windows installed by a professional impact window installation team. Call 866-466-5094 or visit our website to get your free estimate.