Impact-Resistant Windows and Doors Can Cut Windstorm Rates Nearly in Half

VENICE, Fla., Dec. 12, 2006 – Since the past two hurricane seasons, much has been written about how well homes built under the “post-Andrew” stricter building codes faired during the storms. That’s great news for those homeowners, but what about the rest of the Florida population whose home was built pre-Andrew?

Well, fortunately, there are various “retrofit” construction techniques and financial assistance available from the state to make it possible for a home of any age to be made more storm-ready and qualify for reduced insurance premiums. Under Florida’s Home Inspection and Matching Grant Program “My Safe Florida Home,” qualified homeowners may recoup up to $5,000 of the cost of making specific upgrades to their home. Impact-resistant windows and doors are an eligible upgrade under the matching grant program. Visit for more information.

Currently homes permitted and built after March 1, 2002 – that’s under the post-Andrew building codes – are eligible for a windstorm insurance premium reduction of up to 43 percent*, from Citizens Property Insurance Corporation. Following are a few ways to upgrade your home to match that savings**:


  • Install impact-resistant windows and doors (Requires that garage door and front door also be up to 2001 code) -- 32 to 43 percent reduction
  • Install shutters (Requires that all openings, including garage door and front door also be up to 2001 code) -- up to 33 percent
  • Alter your roof shape to a hip roof (Sloped on all four sides like a pyramid) -- up to 23 percent reduction
  • Install roof to wall connectors (Clips, single or double wraps, toe nails/screws, forming a structural connection, or other roof to wall connectors) -- up to 18 percent reduction

How discounts are applied:
Before estimating discounts, it is important to understand some facts. First, the discounts mentioned above are not cumulative. Your total discount is a result of all property features. Second, some construction features and techniques need independent certification from a licensed expert. Lastly, premiums are usually divided into two parts made up of the “wind” portion and the “non-wind” portion. Qualified discounts are only applied to the “wind” part of your premium. To determine what discounts your insurer is providing, visit:

The Florida Legislature is expected to consider measures to reduce Florida insurance costs. A special session has been called by Gov.-elect Crist for January 2007.

About PGT® WinGuard® Impact-Resistant Windows and Doors:
PGT WinGuard is the #1 selling line of residential impact-resistant windows and doors in the industry.

WinGuard® combines heavy-duty aluminum or vinyl frames with impact-resistant laminated glass. A special silicone glazing process helps keep the glass from breaking away from the frame. Laminated glass is constructed by bonding a tough polyvinylbutyral (PVB) interlayer between two pieces of glass under heat and pressure. Once sealed, the glass "sandwich" behaves as a single unit and is transparent, like ordinary glass. Although wind-borne debris may crack the glass on impact, the interlayer keeps the overall window in tact, preventing destructive winds and rain from entering the home.

PGT® pioneered the U.S. impact-resistant window and door industry and today is the nation’s leading manufacturer and supplier of residential impact-resistant windows and doors. PGT is also one of the largest window and door manufacturers in the United States. In its 26th year, the company employs approximately 2,600 at its manufacturing, glass laminating and tempering plants, and delivery fleet facilities in Venice, Fla., and Salisbury, N.C. Sold through a network of over 1,300 independent distributors, the company’s total line of custom windows and doors is now available throughout the eastern United States, the Gulf Coast and in a growing international market, which includes the Caribbean, South America and Australia. PGT’s product line includes PGT® Aluminum and Vinyl Windows and Doors; WinGuard® Impact-Resistant Windows and Doors; PGT® Architectural Systems; and Eze-Breeze® Sliding Panels. PGT Industries is a wholly owned subsidiary of PGT, Inc. (NASDAQ: PGTI).

*Other carriers offer similar reductions. Contact your carrier for exact discounts

** Data is based on current reductions offered by Citizens Property Insurance Corporation.

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