What is the 100% Rule for Florida wind mitigation?

To earn the maximum 'A1' opening protection credit, 100% of all glazed openings—including skylights and glass blocks—must be verified as impact-resistant. A single unprotected window can disqualify the entire building.

Do glass blocks count as protected for wind mitigation?

Only if they are specifically certified for Large Missile Impact. Standard glass blocks are typically considered 'unprotected' and will disqualify an association from the highest credit tier.

Impact Windows vs. Shutters: Opening Protection Guide (2026)

How Question 7 of the OIR-B1-1802 form dictates your association's 2026 insurance discounts.

Executive Summary

The "All-or-Nothing" Rule: Every glazed opening must be protected to earn the "A1" maximum credit; a single unprotected window disqualifies the entire building.
Laminated vs. Shutters: Both qualify for credits, but 2026 high-rise underwriters prefer impact glass for its passive, "always-on" protection.
Beyond Glass: Wind-load rated garage doors and cyclic-tested entry doors are mandatory components of a complete protection system.
Product Approval Mandate: Inspectors must verify Florida Product Approval or NOA numbers for all systems to satisfy 2026 audit requirements.

Achieving the "A1" Rating

In 2026, the high cost of property insurance in Florida makes the Opening Protection credit essential. By verifying that 100% of your community's glass is "Large Missile" impact-rated, you can unlock premium reductions of up to 35%.