Replacing your old windows with high-impact, hurricane-resistant windows enhances safety in your home. It’s also a sound choice as far as your finances are concerned because it can help lower your energy bills and increase your property’s resale value. Installing impact windows can also reduce your home insurance costs.
Read on as Prestige Windows & Doors discusses how impact windows can affect your home insurance.
State Legislation
On March 1, 2002, state legislation was passed requiring insurance companies to provide homeowners with discounts on their property insurance if certain features that reduce damage or loss from a windstorm are added to their policies. These special premium discounts were officially rolled out in 2003.
Risk Mitigation
Whether you’re planning to install residential or storefront windows and doors, you should leave the job to a licensed professional. Furthermore, to qualify for a discount from most insurance companies, you must install impact windows and doors on all the openings of your home.
To learn about the qualification process, you should contact your insurance provider. Make sure that you are getting the right amount of credit for all your completed home improvements. Homeowners can expect to get up to a 45% discount on premiums when they show proof of risk mitigation features.
Engineer-Approved Certification
After the installation, you should get a copy of the certification of the key construction features from your window contractor. You will need to present these documents to your insurance provider in order to qualify for the discounts.
The certifications have to be approved by an engineer or engineering firm, building official or registered architect. If your window contractor did not provide this for you, you can call a local inspection company that offers this type of service. This is a less-expensive way to obtain this certification.
Prestige Windows & Doors is a trusted name when it comes to window and door installation services. We have the expertise to provide you with the right impact windows and doors for your home. To schedule a consultation, call us at (305) 820-5999 or complete our online form.