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Your windows and doors are your home’s first line of defense.

Florida’s storm season tests every opening in your home. If your windows and doors aren’t impact-rated, or if they’re aging and deteriorating, you’re exposed. Replacing them now protects your home and may lower your insurance premiums.
See if you qualify

Why Florida homeowners can't delay on windows and doors

Aging or non-impact windows and doors create real, measurable risk

Insurance pressure

  • Many Florida insurers require impact-rated windows and doors, or charge significantly higher premiums without them
  • An upgrade may reduce what you pay annually

Hurricane vulnerability

  • Non impact windows and doors are not built to withstand hurricane force winds and flying debris
  • A breach during a storm puts the entire home at risk

Deterioration

  • Florida’s heat, humidity and salt air accelerate frame and seal breakdowns
  • Drafts, moisture intrusion and visible frame damage are signs the problem is already progressing

Home value

  • Impact windows are now the standard expectation for Florida homes
  • Buyers and lenders in South Florida expect them, and homes without them can face scrutiny during sale or refinancing

Signs your windows and doors need replacing

Look for:

  • Moisture intrusion or water stains around window and door frames after rain
  • Visible frame deterioration, warping or rot
  • Condensation or fogging between panes
  • Single-pane glass anywhere in the home
  • Windows or doors that stick, won’t seal properly or have broken hardware
  • No impact rating on windows or doors in a hurricane zone
  • Spending too much time putting up shutters
  • Your insurer has flagged your windows or doors for replacement

If any of these apply, it’s worth getting a professional assessment and knowing your financing options before you do.

What type of windows and doors do Florida homeowners need?

The right choice depends on your home’s location, age and insurance requirements.

Impact windows & doors

  • The standard in South Florida. These are required by code for new construction in Miami-Dade, Broward and coastal Palm Beach County.
  • Built to withstand hurricane force winds and flying debris without any setup before a storm.
  • Cost more upfront but deliver year round protection and potential insurance premium reductions of 15 to 45%.

Approved storm shutters

  • A code-compliant alternative at a lower upfront cost.
  • The trade off: shutters only protect your home when deployed. If a storm causes damage and your shutters weren’t closed, your insurance company may deny the claim.
  • Also, building codes and insurance requirements sometimes vary. It’s always best to double check what’s required before you decide on the best option for you.

Frame material

  • Vinyl frames are common, affordable and low maintenance.
  • Aluminum handles Florida’s coastal environment well.
  • Fiberglass is the most resilient but comes at a higher cost.

Payments you can actually afford

Impact windows and doors are a significant investment. Traditional financing like personal loans and credit cards demand repayment in two to five years. That means high monthly payments on top of everything else.

Ygrene PACE financing works differently. With repayment terms up to 20 years, your monthly payment is significantly lower, making a necessary repair actually manageable.

How Ygrene financing works

Approval based on your home's equity and ability to repay, not your credit score.

We look at the value of your property, not your credit history. No impact to your credit.

Repaid through property taxes.

Your Ygrene assessment is added to your annual property tax bill. No separate loan payment to manage each month.

Up to 20 years to repay.

Longer terms mean lower payments. You choose a term that fits your budget.

Your contractor is paid only after the work is complete.

You're protected throughout the process.

See if you qualify

Real results from real homeowners

“Before, every time it rained we saw evidence of roof leaking, so we kept making repairs on a yearly basis. Now we have peace of mind. We don’t have to think about the roof anymore.”

— The Pierces, Weston, FL

Read more stories

Ready to protect your home with new windows and doors?

Find out if your property qualifies. It takes minutes, there’s no credit impact, and you’ll know exactly what your options are.

Apply now

Or, call us at 866-634-1358