Impact vs Non-Impact Windows: What South Florida Homeowners Need to Know

Not All Windows Are Created Equal in South Florida

What Is the Difference Between Impact and Non-Impact Windows?

Let’s start with the basics.



Non-impact windows are standard windows typically made of a single pane of glass or dual-pane setups without any reinforcement. They might look nice, but in high-wind events, they offer very little protection.

Impact windows, on the other hand, are engineered for hurricane resistance. They feature laminated glass, often reinforced with an inner polyvinyl butyral (PVB) or SGP layer. Even if the outer glass breaks, the interlayer holds the window together, keeping wind, water, and debris out.

Here’s a quick comparison:

Hurricane Impact Windows vs Regular Windows: Why It Matters in South Florida

When storms form in the Atlantic, South Florida is often in their path. That’s why Miami-Dade building code requirements for impact windows are among the strictest in the country.

With hurricane impact windows, you’re not just upgrading your home—you’re complying with local codes and reducing your risk.

Why this matters:



• High-Velocity Hurricane Zone (HVHZ) homes must meet minimum pressure and debris impact ratings
  
  
• Insurance providers reward homes with impact protection
  
  
• Post-storm recovery is easier when your windows stay intact
  
  

Regular windows require additional shutters to meet storm prep standards. That means more expense, time, and manual labor every year.

Benefits of Impact Windows: More Than Just Hurricane Protection

Yes, impact windows are built for storms, but their value goes beyond disaster preparedness.

Here are the benefits of impact windows that South Florida homeowners appreciate year-round:



• Storm Protection: Tested to withstand Category 5 winds and debris
  
  
• Insurance Discounts: Many providers offer lower premiums with certified windows
  
  
• Noise Reduction: Laminated glass reduces outside noise significantly
  
  
• UV Protection: Blocks up to 99% of harmful UV rays
  
  
• Energy Efficiency: Helps reduce cooling costs during Florida’s hot seasons
  
  
• Enhanced Security: Harder to break into than standard glass
  
  

With hurricane-rated windows, you get everyday performance and long-term savings.

Non-Impact Window Disadvantages: What You’re Missing

If you’re still using standard windows, here’s what you may be sacrificing:

• Safety: These windows can shatter under pressure or impact
  
  
• Insurance Savings: No discount unless paired with certified storm shutters
  
  
• Energy Costs: They often leak heat and cool air, raising your utility bills
  
  
• Storm Prep Stress: You’ll need to install and remove shutters every season
  
  
• Post-Storm Vulnerability: Broken glass can lead to water damage, mold, and costly repairs
  
  

Many homeowners assume shutters are enough, but shutters fail more often than most realize.

Energy Efficiency: Impact vs Non-Impact Windows in South Florida Homes

The difference in energy efficiency between impact vs non-impact windows is noticeable.

Here’s why:

• Laminated glass in impact windows adds thermal insulation
  
  
• Tighter seals reduce air leakage
  
  
• Low-E coatings available with impact options reflect infrared heat
  
  

This leads to:

• Lower electric bills in summer
  
  
• Less wear on your HVAC system
  
  
• More consistent indoor comfort
  
  

With non-impact windows, especially older models, you’re likely overpaying on cooling costs year after year.



How Do Impact Windows Protect Against Hurricanes Compared to Regular Windows?

When debris hits a non-impact window, it shatters, exposing your home’s interior to wind pressure. This pressure difference can lead to roof damage or structural failure.

Impact windows are built differently:

• Tested to pass DP (Design Pressure) and PG (Performance Grade) ratings
  
  
• Feature dual-glass panes bonded to a plastic interlayer
  
  
• Remain intact even when the outer pane breaks
  
  

This structural integrity protects your home’s envelope and everything inside.

Are Impact Windows Worth the Extra Cost in South Florida?

The short answer: Yes.

Here’s why they’re worth it:

• Initial cost is higher, but you eliminate the need for shutters
  
  
• Lower insurance premiums pay off over time
  
  
• Less hurricane prep work means more peace of mind
  
  
• Better energy savings year after year
  
  

If you live in an HVHZ like Miami-Dade or Broward, installing impact windows isn't just smart—it’s often required for permitting when remodeling.



Insurance Discounts with Impact Windows vs Non-Impact Windows

This is a big one.

Homes with verified impact windows may qualify for:



• Wind mitigation credits
  
  
• Multi-policy savings
  
  
• Premium reductions up to 45%
  
  

To qualify, your windows must meet local standards—especially impact window ratings in Miami-Dade, which require passing missile impact and pressure tests.

With non-impact windows, your only path to discounts is installing code-approved shutters—which adds cost and complexity.

Final Comparison: Impact Windows vs Non-Impact Windows for Florida Homes

Our Take at Doors Galour Corp

If you live in South Florida, impact windows are no longer a luxury—they’re a necessity. From hurricane season peace of mind to year-round energy and noise savings, they offer clear advantages over non-impact options.

We specialize in impact windows in South Florida and install according to Miami-Dade building code requirements. If you’re thinking about upgrading, don’t wait for another storm watch to make the right call.

Check out our full range of options here:


👉 Explore hurricane-rated windows

Frequently Asked Questions