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Impact windows installed on a Tampa Bay home

Tampa Bay Window Guide

Window Styles & Impact vs. Non-Impact Windows

Everything Tampa homeowners need to know before replacing their windows — styles, materials, hurricane ratings, and insurance savings.

Choosing the Right Windows for Your Florida Home

Not all windows are created equal — especially in Tampa Bay. Between hurricane season, Florida building codes, and rising insurance premiums, the windows you choose affect your home's safety, comfort, and wallet for decades. This guide covers every major window style and breaks down the real differences between impact and non-impact windows.

Window Styles We Install

From classic single-hung to panoramic picture windows, Titan installs every major style in both impact and non-impact configurations.

Single-Hung Windows

The most common window in Florida homes. The bottom sash slides up to open while the top sash stays fixed. Easy to operate, budget-friendly, and available in impact-rated versions.

Best for

Bedrooms, bathrooms, and budget-conscious replacements

Double-Hung Windows

Both the top and bottom sashes slide independently, allowing ventilation from the top, bottom, or both. Tilting sashes make cleaning the exterior glass easy from inside your home.

Best for

Two-story homes, rooms where exterior cleaning is difficult

Casement Windows

Hinged on the side and cranked open outward like a door. Casements create a full-opening seal when closed, making them among the most energy-efficient window styles available.

Best for

Living rooms, kitchens, and areas needing maximum airflow

Sliding Windows

One or both sashes glide horizontally on a track. Low-profile and easy to operate, sliding windows are popular in Florida for their clean look and wide glass area.

Best for

Wide openings, garages, and contemporary home styles

Picture Windows

Fixed, non-opening windows designed to frame a view and flood a room with natural light. Because they don't open, they offer the best energy efficiency and the cleanest sightlines.

Best for

Living rooms, great rooms, and scenic views

Bay & Bow Windows

Bay windows project outward with three panels; bow windows use four or more for a curved effect. Both add architectural character, extra interior space, and dramatic natural light.

Best for

Living rooms, dining rooms, and master bedrooms

Awning Windows

Hinged at the top and cranked open from the bottom, awning windows deflect rain while still allowing ventilation. A popular choice for Florida's afternoon storms.

Best for

Bathrooms, kitchens, and pairing below picture windows

Jalousie Windows

Horizontal glass slats that tilt open like blinds. Common in older Florida homes, jalousie windows offer poor energy efficiency and minimal security — most homeowners replace them during a full window upgrade.

Best for

Replacement candidate — common in pre-1980s Florida homes

Impact vs. Non-Impact Windows

The most important decision Florida homeowners face when replacing windows.

Impact Windows

Impact windows use laminated glass — two panes bonded with a tough interlayer (PVB or SGP). When struck, the glass cracks but stays in the frame, preventing wind and water from entering your home. No shutters needed.

Non-Impact Windows

Standard windows use tempered or annealed glass that shatters on impact. In a hurricane, broken glass allows catastrophic wind pressure to build inside the home. Non-impact windows require storm shutters or panels to meet Florida building code.

Feature
Impact Windows
Non-Impact Windows
Hurricane Protection
Built-in — no shutters needed
Requires shutters or panels
Florida Building Code
Meets Miami-Dade NOA standards
Requires separate shutter permit
Insurance Discount
Up to 30–45% premium reduction
Little to no discount
Noise Reduction
Significant — laminated glass absorbs sound
Minimal
UV Protection
Blocks up to 99% of UV rays
Standard UV filtering only
Security
Smash-resistant — deters break-ins
Standard security
Energy Efficiency
Excellent — low-E coatings standard
Good with low-E options
Upfront Cost
Higher initial investment
Lower upfront cost
Long-Term Value
Insurance savings often offset cost in 3–5 years
Ongoing shutter maintenance cost

How Impact Windows Save You Money on Insurance

Florida homeowners insurance rates have skyrocketed. Impact windows are one of the few upgrades that directly reduce your premium. Most Tampa Bay carriers offer a wind mitigation credit of 30–45% when your home has impact-rated openings on all windows and doors. On a $4,000/year policy, that's $1,200–$1,800 back in your pocket every year.

1

Get Impact Windows Installed

Titan installs and provides all product documentation and NOA numbers.

2

Schedule a Wind Mitigation Inspection

A licensed inspector verifies your openings meet Florida standards. Cost: $75–$150.

3

Submit to Your Insurance Carrier

Provide the wind mitigation report to your insurer and request a re-rate.

4

Start Saving

Most homeowners see their discount applied at the next renewal cycle.

Florida Building Code & Miami-Dade Approval

All windows installed in Florida must meet the Florida Building Code (FBC). In High-Velocity Hurricane Zones (HVHZ) — which includes Miami-Dade and Broward counties — products must carry a Miami-Dade Notice of Acceptance (NOA). Hillsborough County (Tampa) follows the standard FBC, but impact-rated products still carry the highest level of protection. Titan only installs products with current FBC approval and full documentation for permit records.

Not Sure Which Windows Are Right for Your Home?

Our team will walk you through every option, pull permits, and handle the entire installation. Free estimates, no pressure.