Impact Windows & Doors — $0 down financing
Hurricane-rated impact windows and doors that protect your home, cut your insurance, and lower your energy bills.
- Licensed
- Insured
- Financing options
- $0 down
$0 down availableIn a hurricane state, impact-rated openings are the single highest-impact resilience upgrade — they often trigger windstorm insurance discounts and meet Miami-Dade / Broward HVHZ (High-Velocity Hurricane Zone) code.
Impact windows and doors are the single most consequential upgrade a Florida homeowner can make for storm safety, insurance, and comfort — and they are squarely PACE-eligible. APEX Project is an independent service that matches Miami-Dade and South Florida property owners with vetted, licensed, insured contractors who install hurricane-rated openings to code, and arranges the financing to pay for it. We are not a contractor, a lender, or a PACE administrator. We are the layer that connects you to the right installer and the right financing path so you don't have to vet a dozen companies yourself.
Unlike plywood and metal shutters — which you have to put up and take down every time a storm threatens — impact (laminated) glass is permanent protection that's always on. The same windows that hold up against a wind-borne 2x4 in a Category 5 also block UV, cut outside noise, deter break-ins, and slow heat transfer through the envelope. In Miami-Dade and Broward, where the High-Velocity Hurricane Zone (HVHZ) code sets the toughest standards in the country, impact products carry a Miami-Dade Notice of Acceptance (NOA) — the gold standard that other coastal markets benchmark against.
Because wind-resistance and hurricane-hardening are explicitly named in Florida's PACE statute (s.163.08), a whole-home impact window and door project can typically be done with $0 down, with the cost repaid as a line item on your annual property-tax bill over a multi-year term. For homeowners who don't qualify for or prefer not to use PACE, there is also a $0-down consumer financing program. APEX walks you through both so you can choose with eyes open.
Why it matters in Florida
South Florida is the most demanding wind environment in the United States. The Miami-Dade and Broward HVHZ code requires openings to survive large-missile impact testing plus thousands of cycles of positive and negative pressure — the kind of repeated loading a real hurricane delivers over hours. Aging single-pane and non-rated windows are a primary point of failure: once a window breaks, the sudden internal pressure can lift a roof or blow out walls. Impact-rated openings keep the building envelope sealed, which is why they're treated as a core resilience upgrade rather than a cosmetic one. There's also a hard financial angle unique to this state. Florida's property-insurance market has been under severe strain, with rising premiums and non-renewals. Code-approved impact windows and doors frequently qualify for windstorm-mitigation credits, and a documented wind-mitigation inspection can lower the windstorm portion of your premium. On top of that, impact glass cuts solar heat gain in a climate where air conditioning runs nearly year-round — so the same upgrade that hardens your home against storms also chips away at the energy bill that drives so much of a Florida household's cost of living.
Why homeowners choose this
Permanent storm protection
Impact glass is always on — no plywood, no shutters, no scramble before a storm. The laminated interlayer holds together even when the outer pane cracks, keeping wind and debris out and your building envelope sealed.
Squarely PACE-eligible
Wind-resistance and hurricane-hardening are named directly in Florida's PACE statute (s.163.08). Impact windows and doors are one of the most commonly approved PACE projects in Miami-Dade, which means $0 down is realistic for the whole job.
Potential insurance savings
Many Florida insurers offer windstorm-mitigation credits for code-approved impact openings. A wind-mitigation inspection documenting the upgrade can reduce the windstorm portion of your premium — and may help with renewal in a tough market.
Lower cooling bills
ENERGY STAR impact glass blocks a large share of solar heat gain and UV. In a climate where the AC runs most of the year, that means less heat pushing into the house and a measurable dent in your energy costs.
Quieter, safer home
The same laminated construction that resists hurricanes also dampens outside noise and resists forced entry — a smash-and-grab is far harder through impact glass than through a standard window.
HVHZ code compliance + resale value
Products carry a Miami-Dade NOA and meet HVHZ requirements, so the work passes inspection cleanly. Documented impact openings are a selling point, and under PACE the remaining balance can transfer with the home.
From match to done
- 1
Tell us about your home
Share your address, the number and type of openings, and your goals — full-home protection, insurance savings, or a single hurricane-facing elevation. This takes a few minutes and costs nothing.
- 2
Get matched with a vetted installer
APEX matches you with a licensed, insured Florida contractor experienced in HVHZ impact installations — not an out-of-state crew. You're matched to the right specialist for your product type and timeline.
- 3
On-site measure and honest scope
The contractor measures every opening, confirms NOA-approved products, and gives you a clear written scope and an honest estimate — no high-pressure tactics, no surprise add-ons.
- 4
Choose your financing
We walk you through PACE (repaid on your property-tax bill, $0 down) and the $0-down consumer program, including eligibility and what each path means long-term, so you pick with full information.
- 5
Permitted install and inspection
The contractor pulls permits, installs to HVHZ code, and the work passes county inspection. Ask for the wind-mitigation documentation so you can take it to your insurer for possible credits.
What's included
- Whole-home impact window replacement
- Impact-rated front entry, French, and sliding glass doors
- Garage door wind-rating upgrade (a common weak point)
- Single-room or storm-facing-elevation window swaps
- Miami-Dade / Broward HVHZ NOA-approved products
- Permitting and county inspection handled by the contractor
- Wind-mitigation documentation for your insurer
- Glass and frame options (clear, tinted, low-E, laminated, frame colors)
Impact Windows & Doors financing — $0 down
Impact windows and doors are fully PACE-eligible in Florida because hurricane-hardening and wind-resistance improvements are explicitly covered under PACE statute s.163.08. With PACE, an approved homeowner can typically finance the entire project with $0 down. Repayment is structured as a non-ad-valorem assessment — a separate line item added to your annual property-tax bill — spread over a multi-year term. Eligibility is based primarily on home equity and property-tax payment history rather than a traditional credit score, and because the obligation is tied to the property, the remaining balance can transfer to the next owner if you sell (subject to the specifics of that transaction). Important: PACE is financing, not a grant or a rebate — you are borrowing and repaying the full amount plus interest and program fees through your tax bill. For homeowners who don't qualify for PACE or prefer a different structure, APEX can also arrange a $0-down consumer financing program — often with no payments for the first 12 to 18 months and low monthly payments thereafter. This too is a loan, not free money and not a grant. APEX is independent: we are not the lender or the PACE administrator, so our role is to lay out both options honestly — including total cost, term, and what happens at sale — and let you decide which fits your situation.
$0
down payment
12–18 mo
no payments
Low
monthly on your tax bill
For illustration only — not a quote: whole-home impact window and door projects in South Florida commonly run from the low five figures to well over $30,000, driven by the number and size of openings, single-hung vs. large sliders or French doors, glass options (clear vs. tinted, standard vs. extra-strength laminate), frame material and color, and access/installation complexity. A single-room or single-elevation job is far less. Your actual price comes only from an on-site measure by the matched contractor.
APEX is not a lender, contractor, or PACE administrator; financing is provided by third parties and subject to eligibility.
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Impact Windows & Doors — questions
Do impact windows really qualify for PACE financing?+
Yes. Florida's PACE statute (s.163.08) explicitly covers wind-resistance and hurricane-hardening improvements, and impact-rated windows and doors are among the most commonly approved PACE projects in Miami-Dade. An approved homeowner can typically do the entire job with $0 down, repaid through the property-tax bill.
Will impact windows actually lower my insurance?+
Often, but it's not automatic. Many Florida insurers offer windstorm-mitigation credits for code-approved impact openings, and the savings come from a wind-mitigation inspection documenting the upgrade. We can match you with a contractor who provides the paperwork your insurer needs — but the actual credit is set by your carrier, not by APEX.
What's the difference between impact glass and hurricane shutters?+
Shutters are temporary protection you install before a storm and remove afterward; impact glass is permanent, always-on protection built into the window. Impact openings also add UV blocking, noise reduction, and security benefits that shutters don't, and they don't require last-minute labor when a storm is approaching.
What does 'Miami-Dade NOA' mean?+
A Notice of Acceptance is Miami-Dade County's certification that a product has passed the High-Velocity Hurricane Zone (HVHZ) testing — large-missile impact plus repeated pressure cycling. It's the toughest standard in the U.S. and is what allows the product to be permitted and pass inspection in Miami-Dade and Broward.
Is PACE a grant or free money?+
No. PACE is financing — a loan repaid with interest and program fees as an assessment on your property-tax bill. The benefit is $0 down and equity-based eligibility, not free money. APEX is independent and will always be clear about total cost and terms before you commit.
How is the PACE balance handled if I sell my home?+
Because a PACE assessment is tied to the property rather than to you personally, the remaining balance can transfer with the home to the next owner, subject to how the sale is structured and the buyer's lender requirements. It's worth discussing with your real-estate and lending professionals at sale time.
Do I have to replace every window at once?+
No. Many homeowners start with the most exposed elevation or the storm-facing rooms, then phase the rest. That said, whole-home replacement is what typically maximizes both insurance credits and energy savings. The matched contractor can scope either approach.
Is APEX the contractor doing the installation?+
No. APEX is an independent matching service. We connect you with vetted, licensed, insured Florida contractors who do the actual install, and we help arrange financing. We are not a contractor, a lender, or the PACE program administrator.
On your side — not the contractor's.
We're independent
Not a builder. We match you to the right contractor for your job — our incentive is your result.
Vetted network only
We work with licensed, insured, vetted Florida contractors.
Free for you
Our matching service costs property owners nothing.
Local to Miami
Miami-Dade specialists who know the permits and programs.
Ready to upgrade with $0 down?
Tell us about your project and we'll match you with the right contractor and financing.