If you live in Florida, hurricane windows are almost always worth the investment. They protect your home year-round, improve energy efficiency, reduce noise, boost resale value, and may even lower insurance premiums. While the upfront cost is higher than standard windows, the long-term security and savings often outweigh the price.
What Are Hurricane (Impact) Windows?
Hurricane windows look like standard double-pane windows but include a laminated interlayer (PVB or SGP) that keeps the glass bonded even if it cracks. Instead of shattering, the window holds together—helping maintain your home’s pressure balance during a storm and keeping debris out.
In short: they look like regular windows but perform like shields.
Do You Really Need Hurricane Windows in Florida?
Yes. Florida’s Building Code (FBC 7th Edition) requires that homes in wind-borne debris regions (coastal counties and HVHZ areas like Miami-Dade and Broward) have approved opening protection. That means you need either shutters or impact-rated windows and doors.
Impact windows are the most convenient choice:
- Always on — no scrambling to put up shutters
- Safe for second-story windows — no ladders required
- Peace of mind while traveling — your home stays protected even if you’re away
Can Impact Windows Withstand a Category 5 Hurricane?
When properly rated, yes. Impact windows are tested under rigorous standards like ASTM E1886/E1996 and must meet missile-impact ratings (such as Missile D for large debris in HVHZ zones).
The most trusted approvals are the Miami-Dade Notice of Acceptance (NOA) and Florida Product Approval. Always check that your windows meet the exact requirements for your address.
Impact Windows vs. Shutters vs. Standard Windows
| Feature | Impact Windows | Non-Impact + Shutters | Standard Windows (No Protection) |
| Storm Protection | Always-on, year-round | Only when installed before storm | None |
| Convenience | No prep required | Must install before each storm | None |
| Insurance Discounts | Yes (if all openings protected) | Yes | No |
| Noise Reduction | Significant | Minimal | Minimal |
| Energy Efficiency | High (low-E, argon gas, thick glass layers) | Average | Low |
| Cost | Higher upfront | Lower upfront + shutter costs | Lowest upfront |
| Security | High (laminated glass resists break-ins) | Low, unless shutters are on and locked | Low |
Beyond Storm Protection: Real Benefits of Impact Windows
- Security: Laminated glass makes break-ins much harder.
- Noise Reduction: Blocks up to 40–45% of outside noise.
- Energy Efficiency: Modern frames + low-E glass reduce cooling costs.
- UV Protection: Helps prevent fading of floors and furniture.
- Insurance Savings: Discounts vary by carrier but can be significant.
- Home Value: Buyers view impact windows as a premium upgrade.
Common Questions About Hurricane Windows
Q: Are hurricane windows required by Florida code?
A: In many coastal and HVHZ zones, yes. Florida Building Code requires approved opening protection (impact-rated windows or shutters).
Q: What’s the difference between shutters and hurricane windows?
A: Shutters only work when installed before a storm. Impact windows protect 24/7 without extra effort.
Q: Do impact windows increase home value?
A: Yes—buyers see them as a premium upgrade that boosts safety, efficiency, and aesthetics.
Q: How much can I save on insurance with hurricane windows?
A: Savings vary by carrier, but many Florida homeowners see 5–15% discounts once all openings are protected.
Q: How long do hurricane windows last?
A: High-quality products can last 20–25 years with proper installation and maintenance.
Q: Are impact windows different from standard double-pane windows?
A: Yes— Impact windows have 4 layers of protection vs the standard double pane windows that have 2 layers.
Are Hurricane Windows Worth It Financially?
Consider the lifetime value:
- Fewer storm prep costs (no shutters to buy, store, or install).
- Insurance discounts (often thousands saved over the years).
- Energy savings (especially when replacing old single-pane windows).
- Resale boost (homes with impact protection stand out in Florida’s market).
Bottom line: For Florida homeowners, hurricane windows usually pay for themselves in protection and savings.
Why Choose Sunset View Windows and Doors?
At Sunset View Windows and Doors, we’ve been helping Florida homeowners upgrade to code-approved, American-made hurricane windows for over a decade. As a veteran-owned, second-generation company, we combine:
- Top-quality brands like PGT, ES, Velocity, and Therma-Tru
- In-house installers (no subcontractors) for precise, code-compliant installation
- 10-year workmanship warranty for peace of mind
- Flexible financing and rebate programs
Want to know exactly what your home needs for code compliance and lasting protection? Request a free, no-obligation estimate today. Our team will size, spec, and price your options—clearly and honestly.
