How the Program Works
From your free home evaluation to a lower insurance premium — we handle permits, install, county inspection, and the wind-mitigation report your insurer needs. You don't touch paperwork.
Protect Your Home in 3 Simple Steps
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Schedule Your Free Evaluation
We verify your address and program eligibility, walk your home, and put three numbers side by side: your protection options, your monthly payment, and your estimated insurance and energy savings.
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Complete Your Upgrade
Impact windows, doors, roof — or all of it. Licensed crews, permits handled, built to current Florida code, $0 down through county-approved financing.
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Lower Your Home Insurance
A wind-mitigation inspection documents your upgrades, and we help you take the report to your insurer so the discount Florida law requires (Statute 627.0629) actually lands on your bill — every year.
Does Your Home Qualify?
Answer a few quick questions to see if your home may qualify — even if you don't currently have home insurance:
- Is your roof more than 10 years old, or are your windows and doors not impact-rated?
- Is your home insurance $3,000 a year or more — or have you had a rate increase or non-renewal letter?
- Do you live in Hillsborough, Pasco, Manatee, or Sarasota County?
Answered yes? Schedule your free home protection evaluation — a specialist will assess your home, confirm eligibility, and show you your payment next to your estimated savings.
Your Roadmap to Safety
A proven, step-by-step process — here's exactly what happens next:
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Permit Submission
We prepare and submit all required permits on your behalf. Typically 2–4 weeks depending on your city or county.
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Permit Approval
The local building department reviews everything against current building codes and safety standards.
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Installation
Our professional crews handle the full upgrade. We simply ask that work areas are accessible on installation day.
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4-Point & Wind-Mitigation Inspections
Required inspections verify your upgrades and document your eligibility for insurance discounts.
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Insurance Premium Reduction
With inspections finalized, we help you submit the wind-mitigation report to your insurer. These upgrades qualify you for the discounts Florida law requires — and they repeat every year you hold the policy.
Everything Homeowners Ask — Answered Straight
Is this program free of charge?
No — and anyone telling you "free" is hiding something. Qualified homeowners move forward without upfront costs using county-approved financing: $0 down, paid over time through your property tax bill. The insurance and energy savings the upgrade produces offset a meaningful share of that payment — we show you both numbers before you sign. Exactly how it works →
Is this a government program?
No. The Impact Protection Program is privately administered. The financing program we use is authorized by Florida law and approved by the county, and our upgrades meet standards recognized by local jurisdictions and insurers — but we're a private licensed contractor, not a government agency.
Who pays for the upgrades?
For eligible homeowners, costs are covered through county-approved financing — no upfront payment, structured over time through an assessment on your property tax bill.
What if I don't currently have home insurance?
You can still qualify. Eligibility is based on your property — not your insurance status. Many homeowners upgrade specifically to become insurable again or to qualify for a better policy — a new roof and protected openings are exactly what carriers look for.
How much does a new roof or new windows cost?
We publish our ranges: whole-home impact windows typically run $12,000–$29,000, roof replacements start around $17,500. Your exact number comes from the free evaluation — before you commit to anything.
Do I qualify if I'm on a fixed income?
Yes. Qualification is not based on income or employment. Eligibility is determined by the property, not your credit score — which makes it accessible on fixed incomes.
I already have shutters. Can I still qualify for new windows?
Yes, in many cases. Shutters protect only when installed before a storm — and give you none of the insurance credits, energy savings, or everyday benefits of impact glass. Your evaluation reviews your current protection honestly. Windows vs. shutters →
What if my roof or windows are already new?
That's great — newer systems may already meet current standards. The evaluation confirms what qualifies and whether anything else would genuinely benefit you. If you're already covered, we'll tell you.