Orlando Window ProsFlorida law requires insurers to file credits for wind mitigation features, and impact rated opening protection is on the list. Here is how the credit actually works, what it is worth, and the one form that unlocks it. Education only. We never touch insurance claims.
Florida Statute 627.0629 requires every residential property insurance rate filing to include actuarially reasonable discounts, credits, or other rate differentials for construction techniques demonstrated to reduce windstorm loss. The statute's own list includes opening protection and window, door, and skylight strength.
Two details most sales pitches skip. First, the credit applies only to the wind portion of your premium, not the whole bill; Citizens Property Insurance, the state created insurer, says exactly that on its discounts page. Second, since October 1, 2023 the statute requires each insurer to describe its available hurricane mitigation discounts on its own website, so you can literally look yours up.
Fla. Stat. 627.0629; the Citizens Property Insurance discounts page; industry ranges from Superior Impact Windows and Armor Pro Windows and Doors. Verified August 20, 2026.
Industry guides commonly place the opening protection credit at roughly 15 to 45 percent of the windstorm portion of a Florida premium. These figures are illustrative. Your insurer's filed credits govern, and your agent can run the exact number from a completed OIR-B1-1802 form.
On many Florida policies the windstorm portion is a large share of the total premium, commonly cited between roughly 30 and 70 percent for coastal homes (Fuller Insurance; Hurricane Safety Program). Inland Orlando shares are usually lower. Your declarations page shows your actual split.
Insurers generally require every glazed opening, meaning windows, glass doors, and often the garage door, to be protected before the full opening protection credit applies. One unprotected opening can void the credit. Plan the whole envelope, not one wall, and price it on the Orlando window cost guide.
The same impact windows that earn the credit are the My Safe Florida Home grant's opening protection category, and the program even asks you to report your insurer discount results back to it. The grant cuts the buy in once. The credit repeats every year.
The Uniform Mitigation Verification Inspection Form, OIR-B1-1802, documents your home's wind resistant features for insurers. A revised version took effect April 1, 2026, and the current form lives at floir.gov.
The Florida Office of Insurance Regulation says the form is valid for up to five years provided no material changes are made to the structure and no inaccuracies are found, so one inspection keeps working for you.
After your permitted window installation passes final inspection, a qualified inspector completes the 1802, and you hand it to your agent. Under state law, documentation is required before any discount can be applied.
This page explains premiums and credits, and that is all it does. Orlando Window Pros does not solicit, refer, or participate in insurance claim work of any kind, and no fee arrangement we have touches work paid by insurance proceeds. If your home has storm damage, call your insurer directly.
There is no single honest number. Florida law requires insurers to file wind mitigation credits, and industry guides commonly place the opening protection credit at roughly 15 to 45 percent of the windstorm portion of the premium. Since the windstorm portion itself varies widely by home and location, the real answer comes from your insurer's filed rates applied to a completed OIR-B1-1802 form. Our estimator shows the honest range, and your agent can run the exact figure.
Generally yes. Industry sources are consistent that every glazed opening, including glass doors and usually the garage door, must be protected for the full opening protection credit, and one unprotected opening can void it. This is why whole home projects, not single room upgrades, are how the credit is actually earned.
A qualified inspector documents your home's wind resistant features, including opening protection, roof covering, roof to wall attachment, and roof shape, on form OIR-B1-1802. The completed form is valid for up to five years provided no material changes are made to the structure, and your insurer applies its filed credits from what the form documents.
The credits are not optional goodwill. Florida Statute 627.0629 requires them in every residential rate filing, and since October 1, 2023 insurers must describe their available hurricane mitigation discounts on their own websites. What varies is the size of each insurer's filed credits, which is why we publish a range and tell you to have your agent run your actual number.
A licensed, insured local contractor measures free and quotes in writing. Pair the quote with this page and the grant math, then decide.