If you’ve ever dealt with insurance credits for impact-resistant windows, you know how confusing it can get — even for insurance professionals. We recently ran into a case where an underwriter requested photos of the “window glazings” as proof of impact protection. But here’s the thing: window glazing markings like ANSI Z97.1 or CPSC 16 CFR 1201 don’t tell you if a window is impact-rated.

What Is Window Glazing?

“Glazing” refers to the glass used in a window. But glazing labels like ANSI Z97.1 or CPSC 16 CFR 1201 are safety standards — they tell us the window uses tempered or laminated safety glass, which breaks safely during impact. These are required in certain parts of a home like bathrooms, doors, or staircases — but they don’t mean the window can withstand hurricane-force impacts.

What Actually Shows a Window Is Impact-Rated?

In Florida, to qualify for wind mitigation credits, the window must be tested and approved for impact resistance. This is where Miami-Dade or Florida Product Approval testing comes in — and the key codes you want to look for are:

• TAS 201 – Large missile impact test

• TAS 202 – Uniform static air pressure test

• TAS 203 – Cyclic wind pressure test

When a window has passed all three of these tests, it usually carries a gold or silver sticker showing the codes, along with a product approval number. This is the evidence underwriters need — and what we photograph and include in all our wind mitigation reports.

Why This Matters

Getting it wrong can delay insurance quotes, cause confusion between agents and underwriters, or worse — result in denied credits. That’s why we take the time to properly document everything and help explain what’s what.

How We Help

At SW Inspections, we include:

• Photos of product approval stickers

• Clear documentation in our reports

• Expert support for agents and clients if questions come up later

We’ve been through this process countless times, and we’re always happy to help clarify things — so your inspection goes smoothly the first time.