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Miami-Dade County, South Florida · HVHZ · 175 mph

Impact windows and doors in Miami-Dade County

All of Miami-Dade County is in the High-Velocity Hurricane Zone, where homes are designed for 175 mph and every window and door needs a Miami-Dade NOA or Florida approval. The county has 34 municipalities with their own permit desks, and our impact windows average $800–$1,800 installed.

Get a quick quoteCall 754-800-4115

Miami-Dade County by the numbers

The numbers behind a Miami-Dade window

Miami-Dade County homes

We know Miami-Dade County homes

Miami-Dade has 34 incorporated cities, towns, and villages, from Miami (1896) to Cutler Bay (2005). Outside them, Unincorporated Miami-Dade (UMSA—Folio prefix 30) covers 966,048 residents across 36 Census-designated places—led by Kendall (80,241), Fontainebleau (59,870), The Hammocks (59,480), Westchester (56,384), Kendale Lakes (55,646), Tamiami (54,212), Country Club (49,967), and Princeton (39,308)—where Miami-Dade County RER issues permits at the Herbert S. Saffir Permitting Center.

Across the county's 806,959 residential parcels on the Property Appraiser roll, 472,879 sit in the 34 cities and 334,080 sit in unincorporated UMSA, with 67.0% (540,919 parcels) built before Hurricane Andrew in 1992. Every window, sliding door, French door, and entry door we install carries a Miami-Dade Notice of Acceptance (NOA) or HVHZ-rated Florida Product Approval tested under TAS 201, TAS 202, and TAS 203.

We serve Miami-Dade homes from our Fort Lauderdale office, about 30–45 minutes away. Crews in Miami-Dade every week, written quote in 24–48 hours.

Recent installs

Recent Republic jobs

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34 municipalities + Unincorporated UMSA

Six Miami-Dade corridors & what each means for your glass

Coastal barrier-island towers face Exposure D wind pressures and marine-turtle tint rules, Coral Gables and historic Miami neighborhoods go through architectural boards, West Dade homes sit under the MIA flight path or in Zone AH basins, and 334,080 unincorporated UMSA parcels file with County RER. For the full storm history and city-by-city pre-Andrew parcel roll, see our Miami-Dade hurricane code & housing history guide.

  • Barrier Islands & Coastal (9 places)

    88,979 parcels · 91% condo · Exposure D & turtle glass

    Places: Miami Beach, Sunny Isles Beach, Key Biscayne, Surfside, Bal Harbour, Bay Harbor Islands, North Bay Village, Golden Beach, Indian Creek

    88,979 parcels line the Atlantic and Biscayne Bay islands, with flood zones covering 95% of Miami Beach and 100% of Key Biscayne, Bay Harbor Islands, and North Bay Village.

    For your windows: Open-water lots require Exposure D pressures, small-missile PE wind loads above 30 ft, and <=45% VLT turtle glass in Miami Beach (Ord. 2024-4652) and Surfside (Ord. 2018-1688).

    City of Miami Beach · Sea turtle nesting protection, Ord. 2024-4652

  • Urban Core, Historic & Bayfront (7 places)

    196,356 parcels · Historic boards & high-rise towers

    Places: Miami, Coral Gables, Pinecrest, South Miami, Miami Shores, Biscayne Park, El Portal

    Spans Brickell and Edgewater towers, 1920s Mediterranean Revival districts in Coral Gables, estate lots in Pinecrest (87% SF), and 97% pre-Andrew homes in Miami Shores.

    For your windows: Historic boards in Coral Gables, Miami (HEPB), Miami Shores, and South Miami review frame profile, finish, and muntin grids before permit issuance.

    City of Coral Gables · Permit requirements (Development Services)

  • North & Central Dade (6 places)

    92,068 parcels · Condos east to 1950s CBS ranches west

    Places: Aventura, North Miami, North Miami Beach, Miami Gardens, Miami Lakes, Opa-locka

    Runs from 95% high-rise condos in Aventura to postwar CBS single-family homes in Miami Gardens (82% pre-Andrew), North Miami (95%), and North Miami Beach (88%).

    For your windows: Aventura requires a notarized condo letter, Miami Lakes checks HOA covenants, and pre-Andrew CBS retrofits need an in-progress buck or fastener check.

    City of Aventura · Window, exterior door and shutter permit requirements

  • West Dade & Airport Corridor (8 places)

    70,564 parcels · MIA flight path & Zone AH ponding

    Places: Hialeah, Doral, Miami Springs, Sweetwater, Hialeah Gardens, West Miami, Virginia Gardens, Medley

    Virginia Gardens (99%), Miami Springs (96%), West Miami (92%), and Hialeah (85%) are predominantly pre-Andrew CBS homes, while Doral is 51% post-2002 construction.

    For your windows: Homes near MIA pair 175 mph HVHZ laminated glass with acoustic interlayers, and Doral performs three field checks (buck, fastener, final) under Guideline BD-20.

    City of Doral · BD-20 window and door guidelines

  • South Dade & Agricultural Edge (4 places)

    24,912 parcels · Hurricane Andrew corridor

    Places: Palmetto Bay, Cutler Bay, Homestead, Florida City

    73% of Homestead and 69% of Florida City parcels date from 2002 or later, while Palmetto Bay is 76% pre-Andrew estates and coastal Cutler Bay borders Zone VE.

    For your windows: Post-2002 homes often upgrade from storm panels to solar Low-E impact glass. State law requires a notice over $5,000; Homestead's checklist still lists $2,500, so we record one whenever the city asks.

    City of Homestead · Windows and doors checklist

  • Unincorporated Miami-Dade / UMSA (Folio 30)

    334,080 parcels · 966,048 CDP residents · County RER

    Places: Kendall (80,241), Fontainebleau (59,870), The Hammocks (59,480), Westchester (56,384), Kendale Lakes (55,646), Tamiami (54,212), Country Club (49,967), Princeton (39,308) & 28 more CDPs

    Over 41% of county residential parcels (157,808 SF homes, 123,382 condos, 17,764 townhomes) sit in Unincorporated UMSA (Folio 30), where 70.8% predate 1992.

    For your windows: Unincorporated homes file directly with Miami-Dade RER at the Saffir Center (11805 SW 26th St) under Category 82/83 for windows and glazed doors or Category 22 for garage doors.

    Miami-Dade RER · Windows, Shutters, Doors and Security Bars

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Permits, four layers

How a Miami-Dade permit & Notice of Commencement stack up

We prepare and file every permit package in-house across all 34 municipal building departments and Miami-Dade RER. Permits applied for after December 31, 2026 fall under the 9th Edition (2026) Florida Building Code.

  1. 1

    Opening Schedule, Design Pressures & NOAs

    We measure each opening, map floor plans, calculate psf pressures under FBC §1620 (BORA's Jan 26, 2024 chart up to 30 ft in Exposure C, or sealed PE wind loads in Exposure D and >30 ft), and mark two NOA sets.

    Miami-Dade BORA · Wind load table for openings (Jan 26, 2024)
  2. 2

    Condo, HOA & Historic Board Clearance

    Before filing, we prepare condo packets under §718.113(5), HOA forms under §720.3035(6), coastal <=45% VLT turtle-glass specs, and historic COAs for Coral Gables, Miami HEPB, and Miami Beach HPB.

    Florida Statutes §718.113
  3. 3

    City or County RER Submittal + NOC

    Folio 30 files with Miami-Dade RER (11805 SW 26th St, Cat. 82/83); prefixes 01–28 and 31–36 file with your city. State law requires a notice over $5,000; Homestead's checklist still lists $2,500, so we record one whenever the city asks.

    Florida Statutes §713.135
  4. 4

    Field Checks, Sign-Off & OIR-B1-1802

    We meet the municipal or RER reviewer for any required in-progress buck/fastener check and the final walk-through so your permit receives inspection approval for Form OIR-B1-1802 and My Safe Florida Home.

    Florida OIR · Wind Mitigation Form OIR-B1-1802 resources

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Impact window and door cost across Miami-Dade

A typical installed window falls in the $800–$1,800 range, a 37 by 63 inch single-hung averages $1,100 with us, and a whole-home project runs $12,000–$35,000. Sliding glass doors run $2,500–$3,500 and single French doors run $2,800–$4,000 installed. HVHZ products and testing make Miami-Dade jobs cost more than outside the HVHZ.

Your written quote reflects opening dimensions, frame finish (white, bronze, or black aluminum), glass makeup (clear laminated, solar Low-E, <=45% VLT turtle tint, or acoustic interlayers near MIA), and design pressures (psf) for Exposure C, Exposure D, or high-rise elevations.

High-rise condos, the 30-foot missile line, and association packets

Condos represent 362,099 Miami-Dade parcels (98% of Sunny Isles Beach, 95% of Aventura, 91% of Key Biscayne, 89% of Miami Beach). Openings up to 30 ft must pass the TAS 201 large-missile test (9-lb 2×4 at 50 ft/s); openings above 30 ft qualify under the small-missile test (thirty 2g steel balls at 130 ft/s) with sealed Florida PE or RA wind loads.

Under Fla. Stat. §718.113(5), condo boards cannot refuse code-compliant impact glass matching building specs and must credit owners under §718.113(5)(d) on future building-wide replacements (§720.3035(6) protects HOA owners). Permits applied for after December 31, 2026 fall under the 9th Edition (2026) Florida Building Code. State law requires a notice over $5,000; Homestead's checklist still lists $2,500, so we record one whenever the city asks.

In the HVHZ, our hinged impact doors (French and entry doors) swing out. Sliding glass doors and garage doors don't swing.

Installed estimates

Prices by size and door type

Impact windows by size

Average installed impact window price by size
WindowSizeAverage installed
Single-hung37 by 63 inchabout $1,100
Horizontal roller53 by 50 inchabout $1,250
Fixed (picture)37 by 50 inchabout $900
Casement37 by 50 inchabout $1,300

Impact doors

Typical installed impact door prices
DoorTypical installed
Single French door$2,800–$4,000
Double French door$3,800–$7,000
Sliding glass door, 2 panels$2,500–$3,500
Each extra slider panelabout $600–$800
Fiberglass entry door$2,200–$5,500
Solid garage door$2,800–$4,200

Installed estimates that vary with size, glass, and options. HVHZ products and testing make Miami-Dade County jobs cost more than outside the HVHZ. Every home gets its own written quote.

Get a quick quote

Four fields. We call to book your free in-home measure.

Prefer the phone? Call 754-800-4115.

Grants and insurance

My Safe Florida Home and your wind-mitigation form

If you qualify for My Safe Florida Home, the state pays $2 for every $1 you pay, up to $10,000, after the program's free wind-mitigation visit (Fla. Stat. §215.5586). How the program works.

Impact windows and doors count as opening protection, Question 9 on the state's wind-mitigation form, OIR-B1-1802. A licensed inspector fills it out after the work, and your insurer sets the discount.

Questions

Miami-Dade County impact window questions

What do impact windows and doors cost in Miami-Dade County?

Installed impact windows average $800–$1,800 per opening, and a whole-home project runs $12,000–$35,000. Single French doors run $2,800–$4,000 and two-panel sliders run $2,500–$3,500 installed. HVHZ products and testing make Miami-Dade jobs cost more than outside the HVHZ.

Who pulls the building permit in Miami-Dade's 34 cities and unincorporated areas?

We pull every permit in-house: Folio 30 files with Miami-Dade RER at the Saffir Center (Category 82/83), and prefixes 01–28 and 31–36 file with your city's building department. State law requires a notice over $5,000; Homestead's checklist still lists $2,500, so we record one whenever the city asks.

Do Miami-Dade windows need a Miami-Dade NOA or a Florida Product Approval?

Every window, door, and mullion must carry either a current Miami-Dade Notice of Acceptance (NOA) from RER Product Control or a Florida Product Approval under §553.842 explicitly marked HVHZ compliant under TAS 201, TAS 202, and TAS 203.

Can my condo board or HOA deny impact windows in Miami-Dade?

Under Florida Statute §718.113(5), a condo board may set exterior color and style rules but cannot refuse code-compliant impact glass that matches them, and §718.113(5)(d) gives owners a pro-rata credit on future building-wide replacements. §720.3035(6) protects HOA owners.

What is the 30-foot missile rule for Miami-Dade homes and condos?

Under FBC §1626 and TAS 201, openings up to 30 feet above grade require large-missile glass (9-lb 2×4 at 50 ft/s). Glazing above 30 feet can use small-missile glass (thirty 2-gram steel balls at 130 ft/s) with sealed PE or RA wind-load calculations.

Which Miami-Dade beaches require sea-turtle tinted glass?

Miami Beach (Ordinance 2024-4652) and Surfside (Ordinance 2018-1688) require seaward glass to carry <=45% visible light transmittance (VLT), while Golden Beach, Sunny Isles Beach, Bal Harbour, and Key Biscayne enforce marine-turtle lighting standards on beach-visible glass.

How does the FEMA 50% rule affect window permits in Miami-Dade flood zones?

In Special Flood Hazard Areas (Zones A, AE, AH, VE), cumulative permitted work reaching 50% of the building's market value (excluding land) triggers current flood elevation rules. Window replacements alone rarely reach 50%, though coastal cities may ask for a cost breakdown.

How do impact windows qualify for wind-mitigation insurance discounts?

Florida Statute §627.0629 requires windstorm premium discounts for opening protection verified on Form OIR-B1-1802 (Question 9). Earning the Hurricane (Class A) tier requires every glazed and non-glazed exterior opening—including entry and garage doors—to be impact-rated or shuttered.

What financing options and grants are available in Miami-Dade?

We offer three plans via Sunlight Financial, Service Finance Company, Upgrade, and Renew Financial (with approved credit): 12-month no-interest promo, 10 years from 6.99% APR, and 20 years from 8.99% APR. Qualifying homesteads can also apply for up to $10,000 through My Safe Florida Home (§215.5586).

Who does the labor warranty cover?

The lifetime labor warranty covers you, the original owner. It doesn't pass to a new owner if you sell.

How fast do I get a written quote after the in-home measure?

Our in-home measure is free, and we send your itemized opening-by-opening written quote in 24–48 hours. Crews work across Miami-Dade every week, about 30–45 minutes south of our showroom.

How long does a Miami-Dade impact window job take from order to sign-off?

Custom HVHZ manufacturing and permit review run in parallel (typically 4 to 8 weeks), and most single-family installs take 1 to 3 days before inspection approval. Permits applied for after December 31, 2026 fall under the 9th Edition (2026) Florida Building Code.

Official sources

Look it up yourself

Our licenses, the product approvals, and the city's permit office are all public.

For the detail-minded

The Miami-Dade HVHZ & municipal rulebook

All of Miami-Dade sits inside Florida's High-Velocity Hurricane Zone (175 mph for Risk Category II homes). Use this rulebook to compare all 34 cities and Unincorporated UMSA, TAS 201/202/203 testing, Exposure C vs. D pressures, flood zones, RER permitting, and wind-mitigation credits.

Wind and missile rules

All of Miami-Dade is in the HVHZ, with 175 mph design wind for a Risk Category II home.

  • Up to 30 feet: the large-missile test of TAS 201 and TAS 203, a 9-pound 2x4 fired at 50 feet per second, then cyclic pressure.
  • Above 30 feet: the small-missile test, 2-gram steel balls at 130 feet per second.
  • Operable windows and doors are also tested to TAS 202 for pressure and water (FBC 2411.3.2.1), and each unit needs a Miami-Dade Notice of Acceptance (NOA) or Florida approval covering its size and pressure. Permits applied for after December 31, 2026 fall under the 9th Edition (2026) Florida Building Code.

Sources: FBC 2023 §1620 (HVHZ wind loads) · FBC 2023 §1626 (HVHZ impact tests, TAS 201 and 203) · FBC 2023 §2411.3 (HVHZ windows and doors, TAS 202) · Miami-Dade RER · Product Approval

34 municipalities + Unincorporated UMSAHow all 34 cities & unincorporated Miami-Dade compare

Filter by regional corridor or search any city, Property Appraiser 2-digit folio prefix (01–36), permit desk, flood zone, or historic/coastal rule. If your folio number starts with 30-, your property sits in Unincorporated Miami-Dade (UMSA—966,048 residents across 36 CDPs including Kendall, Fontainebleau, The Hammocks, Westchester, Kendale Lakes, Tamiami, Country Club, and Princeton) and permits directly through County RER.

Showing all 34 municipalities
Miami-Dade County 34 municipalities compared by folio, flood zone, permit desk, and local rule
Municipality & FolioFlood ZonePermit DeskLocal Rule
Unincorporated (UMSA)Folio 3054.7% (AE/AH/VE)Miami-Dade RER · Saffir CenterCat. 82/83 (windows/doors), Cat. 22 (garage); BORA chart <=30 ft Exp. C
AventuraFolio 2896.1% (AE)Aventura Building Div.Notarized condo letter; 2 NOA sets
Bal HarbourFolio 1266.6% (AE/VE)Bal Harbour Building Dept.ARB exterior review; FEMA 50% packet
Bay Harbor IslandsFolio 13100% (AE)Bay Harbor Islands BuildingDRB review when frame color/size changes
Biscayne ParkFolio 1786.1% (AE)Biscayne Park BuildingDesign Board review; anchor check + final
Coral GablesFolio 0339.7% (AE/VE)Coral Gables · EnerGovBoard of Architects + Historic COA
Cutler BayFolio 3671.4% (AE/AH/VE)Cutler Bay Building Div.Coastal VE east of Old Cutler Rd
DoralFolio 3553.7% (AE/AH)Doral Building Dept.3 field checks (buck, fastener, final) per BD-20
El PortalFolio 1862.8% (AE)El Portal Building Dept.In-progress anchor check before stucco
Florida CityFolio 1647.2% (AE/AH)Florida City Building69% built 2002+; shutter-to-glass upgrades
Golden BeachFolio 1988.2% (AE/VE)Golden Beach BuildingOceanfront turtle glass; Exposure D
HialeahFolio 0439.0% (AE/AH)Hialeah Building Div.Owner + HOA letters, 2 NOA sets & egress
Hialeah GardensFolio 2797.9% (AH)Hialeah Gardens Building97.9% Zone AH ponding; HVHZ NOA packet
HomesteadFolio 1016.3% (AE/AH)Homestead Dev. ServicesState law requires a notice over $5,000; Homestead's checklist still lists $2,500, so we record one whenever the city asks.
Indian CreekFolio 2157.6% (AE/VE)Indian Creek Village HallPaper filing + gate security clearance
Key BiscayneFolio 24100% (AE/VE)Key Biscayne · AccelaTurtle glass & small-missile >30 ft
MedleyFolio 2245.4% (AE/AH)Medley Building & ZoningCanal-front HVHZ NOA & site plan
MiamiFolio 0129.1% (AE/VE)City of Miami · iBuildHEPB historic COA; Homeowner Express Review
Miami BeachFolio 0295.0% (AE/VE)Miami Beach · CSSOrd. 2024-4652 <=45% VLT turtle glass; HPB
Miami GardensFolio 3440.2% (AE/AH)Miami Gardens BuildingFraming/buck check before stucco + final
Miami LakesFolio 3260.4% (AE/AH)Build Miami Lakes PortalHOA letter + wind load worksheet
Miami ShoresFolio 1126.6% (AE/VE)Miami Shores BuildingPlanning & Zoning + Historic Board review
Miami SpringsFolio 0539.0% (AE/AH)Miami Springs BuildingMIA flight-path acoustic laminated glass
North Bay VillageFolio 23100% (AE/VE)North Bay Village Building100% flood zone & Exposure D bayfront
North MiamiFolio 0657.2% (AE/VE)North Miami BuildingFEMA 50% worksheet; anchor check + final
North Miami BeachFolio 0743.7% (AE/VE)NMB Building Div.2 NOA sets, opening schedule & anchor check
Opa-lockaFolio 0836.1% (AE/AH)Opa-locka BuildingMoorish district review; 2-stage field check
Palmetto BayFolio 3336.1% (AE/VE)Palmetto Bay Building91% single-family; coastal VE on bay
PinecrestFolio 2033.5% (AE)Pinecrest Building87% estate homes; custom arch & slider NOAs
South MiamiFolio 0919.5% (AE)South Miami BuildingERPB historic check on designated homes
Sunny Isles BeachFolio 3186.0% (AE/VE)Sunny Isles Building98% condos; PE wind loads & small-missile >30 ft
SurfsideFolio 1489.3% (AE/VE)Surfside · CSS PortalOrd. 2018-1688 <=45% VLT turtle glass; DRB
SweetwaterFolio 2582.6% (AE/AH)Sweetwater Buildinge-Submittal + 2 paper NOA sets; buck check
Virginia GardensFolio 261.9% (AH)Virginia Gardens Building99% pre-Andrew near MIA; acoustic HVHZ glass
West MiamiFolio 150% (Zone X)West Miami · Citizenserve100% Flood Zone X ridge; full 175 mph HVHZ

For the 35-row pre-Andrew vs. post-Andrew housing roll and Hurricane Andrew, Wilma, and Irma records, see Miami-Dade Hurricane Code History & Housing Tables. Sources: Miami-Dade County GIS · FEMA flood zones by municipality · Miami-Dade Property Appraiser GIS · Parcel Roll (MapServer/24) · Miami-Dade County · Municipalities and incorporation dates · U.S. Census Bureau · 2020 Census redistricting data (Florida)

HVHZ, TAS 201 / 202 / 203 & NOAs175 mph wind loads, 30 ft missile line, Exposure C vs. D & NOA rules

FBC §1620.2 sets Miami-Dade HVHZ wind speeds at 165 mph (Cat I), 175 mph (Cat II homes and condos), 186 mph (Cat III), and 195 mph (Cat IV)—5 to 10 mph above Broward. All assemblies must pass TAS 201 impact, TAS 202 static air/water (§2411.3.2.1), and TAS 203 (9,000 pressure cycles).

Exposure Category C, Exposure Category D, and high-rise design pressures in Miami-Dade
Exposure / ElevationWhere It AppliesPressuresEngineering
Exposure C (Inland)Inland/suburban lots not facing open water (FBC §1620.3).1–2 story (175 mph): ~+45/-50 psf (Zone 4) to +55/-68 psf (Zone 5).Uses BORA's Jan 26, 2024 Wind Load Chart up to 30 ft.
Exposure D (Coastal)Within 600 ft or 20× height of water >=5,000 ft wide (Atlantic, Biscayne Bay).Low-rise corner pressures reach +60/-75+ psf.Requires site-specific Exposure D wind-load calculations.
High-Rise (>30 ft)Condo towers in Brickell, Miami Beach, Sunny Isles, Key Biscayne, Aventura.Upper-floor corners reach +75/-95 to +90/-130+ psf.Small-missile glass >30 ft with sealed Florida PE/RA wind loads.
  • Every exterior window, door, and mullion must carry a current Miami-Dade NOA or HVHZ-rated Florida Product Approval.
  • Miami-Dade Product Control reviews ~1,250 applications a year and renews NOAs on a 5-year audit cycle.

Sources: FBC 2023 §1620 (HVHZ wind loads) · FBC 2023 §1626 (HVHZ impact tests, TAS 201 and 203) · Miami-Dade RER · Product Approval · Miami-Dade RER · Product Control search (NOAs) · Florida Statutes §553.842 (product approval) · Miami-Dade BORA · Wind load table for openings (Jan 26, 2024)

Permits, Folio codes & §713.135 NOCMiami-Dade RER categories, 34 city portals, Dec 31 2026 code change & NOC
  • Permits applied for after December 31, 2026 fall under the 9th Edition (2026) Florida Building Code.
  • Unincorporated UMSA (Folio 30 — Kendall, Fontainebleau, The Hammocks, Westchester, Kendale Lakes, Tamiami, Country Club, Princeton & 28 more CDPs) files at the Saffir Center, 11805 SW 26th St.
  • State law requires a notice over $5,000; Homestead's checklist still lists $2,500, so we record one whenever the city asks.

Sources: Miami-Dade RER · Windows, Shutters, Doors and Security Bars · Miami-Dade BORA · Wind load table for openings (Jan 26, 2024) · Florida Statutes §713.13 (notice of commencement) · Florida Statutes §713.135

FEMA flood zones, 50% rule & coastal glassAE, AH, VE, and X zones, the FEMA 50% rule & sea-turtle ordinances

54.7% of unincorporated Miami-Dade sits in a high-risk FEMA flood zone (41.3% AE, 13.4% AH, 0.1% VE). In Special Flood Hazard Areas, cumulative permitted work reaching 50% of building market value triggers flood elevation rules; window replacements alone rarely cross 50%.

Sources: Miami-Dade County GIS · FEMA flood zones by municipality · FEMA · Flood Map Service Center & NFIP Substantial Improvement · FWC · Local sea turtle lighting ordinances

Insurance, grants, condos & financingForm OIR-B1-1802 Class A, My Safe Florida Home, §718.113 / §720.3035 & loans

Form OIR-B1-1802 Class A discount

  • Fla. Stat. §627.0629 requires windstorm discounts for opening protection documented on Form OIR-B1-1802 (Question 9).
  • Class A Hurricane credit requires every exterior opening (windows, doors, skylights, garage doors) to be impact-rated or shuttered.

Florida Statutes §627.0629 · Florida OIR · Wind Mitigation Form OIR-B1-1802 resources

My Safe Florida Home & tax refund

Checked October 20, 2026

The program's support page says it is accepting applications.

  • $2 state match per $1 owner share up to $10,000 (§215.5586) on pre-2008 homesteaded SF homes insured for <=$700,000 after a free first inspection.
  • Florida also provides a sales tax refund up to $500 on impact windows and doors (July 2026–June 2029).

Florida Statutes §215.5586 (My Safe Florida Home) · MSFH support: is funding available?

Condo (§718.113) & HOA (§720.3035) rules

  • Under §718.113(5), condo boards cannot refuse code-compliant impact glass matching building specs, and §718.113(5)(d) grants a pro-rata credit on future building-wide replacements.
  • §720.3035(6) protects HOA owners installing code-compliant hurricane protection.

Florida Statutes §718.113 · Florida Statutes §720.3035

Fixed-APR loans (from 6.99% APR) & PACE rules

  • Three plans via Sunlight Financial, Service Finance Company, Upgrade, and Renew Financial (with approved credit): 12-mo no-interest promo, 10-yr from 6.99% APR, and 20-yr from 8.99% APR.
  • PACE financing (§163.081) is also available where authorized.

Florida Statutes §163.081 (PACE assessments) · Republic financing calculator & terms

Estimates

The Real Cost

Calculate what this project will really cost you, and your return on investment.

Pick your windows

Add a count to see the average installed price.

Average installed price, estimate, for these common sizes. Other sizes and types are quoted after a free in-home measure. The project cost below fills in from your picks; change it if you have a quote.

Your numbers

The wind or hurricane part of your homeowners premium, shown on your declarations page.

Est. monthly payment

$0.00

As low as 8.99% APR for 20 years.

Est. insurance savings / mo

$0.00

Estimate only. Assumes 10% of your windstorm premium. Your insurer's Notice of Premium Discounts shows your actual credits.

Est. electric savings / mo

$0.00

Estimate. Assumes 12% of the monthly bill, ENERGY STAR's Southern-zone average for replacing single-pane windows with ENERGY STAR certified ones (about 8% from double-pane).

Est. real monthly cost

$0.00

Payment minus the insurance and electric savings.

Est. payback

0.0 years

Project cost divided by yearly insurance and electric savings.

Estimates only. The insurance and electric percentages are assumptions, not quotes. Actual savings depend on the insurer, the home, and usage. Not a guarantee. Financing is subject to credit approval.

How it works

From measure to walk-through

  1. Estimate

    We come to the house and measure for free. The quote is usually back within 24–48 hours.

  2. Sign the contract

    Nothing's agreed until you sign a written contract.

  3. Measurements

    We measure each window and door for the order.

  4. Permit

    We file with your city's building department (Folio 01–28, 31–36), or Miami-Dade RER at the Saffir Center for Unincorporated UMSA (Folio 30), with an NOA or HVHZ Florida approval for each opening.

  5. Ordering materials

    Windows and doors get ordered to those measurements.

  6. Installation

    A licensed crew installs them, then walks the job with you.

  7. Final sign-off

    The municipal or county reviewer checks etched glass marks, bucks, and fasteners and enters inspection approval.

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Financing

Pay over time

12

Months

No interest if paid in full

10

Years

at 6.99% APR

20

Years

at 8.99% APR

Lenders

  • Sunlight Financial
  • Service Finance Company
  • Upgrade
  • Renew Financial

Get Qualified

12-month offer is deferred interest: if not paid in full by the end of the promotion, interest is charged back to the purchase date. Subject to credit approval.

Project films

Hear it from our customers

Reviews and licenses

Rated 4.8, licensed and insured

Google rating

4.8

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Profiles

Our business profiles on independent sites, plus the facts about our company.

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Free estimate

We measure at the house for free. The quote is usually back within 24–48 hours. Nothing is agreed until you sign a written contract.

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Where we work

Miami-Dade County cities we serve

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