Choosing the right windows and doors for hurricane protection requires understanding the key differences between hurricane-rated and impact-rated products. While both are designed to withstand extreme weather, they serve distinct purposes and follow different testing standards. At By Builder Home Inspections, we help homeowners and builders assess which option best suits their needs.
What Are Hurricane-Rated Windows and Doors?
Hurricane-rated products are designed to withstand high wind speeds and pressure fluctuations during hurricanes. These windows and doors focus primarily on wind resistance rather than impact protection.
Key Features of Hurricane-Rated Products
✔ Wind Pressure Resistance: Designed to withstand hurricane-force winds between 110-150 mph, depending on the region.
✔ Cyclical Pressure Testing: Simulates hurricane conditions by testing repeated wind pressure changes.
✔ ASTM E1886 & ASTM E1996 Compliance: Meets industry standards for wind resistance.
✔ More Affordable: Lower cost compared to impact-rated products, as they do not require impact resistance testing.
✔ Limited Debris Protection: May not prevent damage from airborne objects or break-ins.
What Are Impact-Rated Windows and Doors?
Impact-rated products provide both wind and debris protection, making them a superior choice for hurricane-prone areas. These windows and doors are built to withstand direct impacts from flying debris, forced entry attempts, and sustained hurricane-force winds.
Key Features of Impact-Rated Products
✔ Missile Impact Testing: Passes large and small missile impact tests, simulating hurricane debris.
✔ Laminated Glass Construction: Features PVB (polyvinyl butyral) or SGP (SentryGlas Plus) interlayers to hold glass in place upon impact.
✔ Meets Miami-Dade County Standards: Required for high-velocity hurricane zones (HVHZ), including South Florida.
✔ Year-Round Security: Offers protection from storms, break-ins, and vandalism.
✔ Energy Efficiency & UV Protection: Blocks 99% of UV rays, reducing indoor heat and fading of furniture.
✔ Higher Initial Cost, Greater Long-Term Value: While more expensive upfront, impact-rated windows can reduce insurance premiums by up to 45%.
Testing & Certification Standards
Hurricane-rated and impact-rated products undergo different levels of testing to ensure durability.
| Feature | Hurricane Rated | Impact Rated |
|---|---|---|
| Wind Pressure Testing | ✅ Yes | ✅ Yes |
| Cyclical Pressure Testing | ✅ Yes | ✅ Yes |
| Large & Small Missile Impact Test | ❌ No | ✅ Yes |
| Meets Miami-Dade HVHZ Standards | ❌ No | ✅ Yes |
| Break-In & Forced Entry Protection | ❌ No | ✅ Yes |
| Energy Efficiency | ✅ Moderate | ✅ High |
| UV Protection | ✅ Limited | ✅ High |
| Cost | 💲💲 | 💲💲💲 |
The missile impact test simulates hurricane conditions by launching a 9-pound 2×4 wood plank at 50 feet per second at the glass. If the glass remains intact, it meets impact-rated standards.
Installation Requirements
Both hurricane-rated and impact-rated windows require professional installation to function correctly. Impact-rated products, however, have stricter requirements:
✔ Stronger Frames: Made from reinforced aluminum, vinyl, or wood.
✔ Secure Anchoring: Uses additional fasteners and supports.
✔ Multi-Layer Glass Construction: Ensures impact resistance.
Cost Comparison: Which Is More Affordable?
Hurricane-rated windows are generally more affordable, costing 30-45% more than standard windows. Impact-rated windows, however, can cost 50-70% more but offer:
✔ Insurance Discounts: Homeowners can save up to 45% on insurance premiums.
✔ Higher Property Value: Impact-rated windows increase resale value.
✔ Lower Energy Bills: Better insulation means reduced cooling and heating costs.
Energy Efficiency Benefits
Both window types improve energy efficiency, but impact-rated windows provide superior insulation due to their laminated multi-layer construction.
✔ Reduces Heat Transfer: Keeps homes cooler in summer and warmer in winter.
✔ Lowers Utility Bills: Reduces dependence on HVAC systems.
✔ Blocks Harmful UV Rays: Prevents furniture and flooring from fading.
How to Choose the Right Option for Your Home
When deciding between hurricane-rated and impact-rated windows, consider the following:
1. Check Local Building Code Requirements
Some areas, especially those in high-velocity hurricane zones (HVHZ), require impact-rated windows. Always verify your local wind zone classification.
2. Consider Your Protection Needs
✔ For storm protection only → Hurricane-rated
✔ For storm & security protection → Impact-rated
3. Compare Long-Term Costs
While hurricane-rated windows are cheaper upfront, impact-rated windows provide greater long-term savings through insurance discounts and energy efficiency.
4. Think About Security
Impact-rated windows double as security windows, protecting against burglars and intruders.
Professional Installation for Maximum Protection
No matter which option you choose, professional installation is critical to ensure your windows meet all Florida building codes and manufacturer specifications. At By Builder Home Inspections, we help homeowners and builders make informed decisions about their storm protection needs.
Schedule Your Inspection Today
Looking for expert guidance on hurricane protection? Contact By Builder Home Inspections today for a professional wind mitigation inspection and storm readiness assessment.
