Many Florida drivers are surprised to learn that they may qualify for a $0 windshield replacement. Thanks to Florida’s unique auto insurance laws, most comprehensive policies include full glass coverage with no deductible. This guide explains how free windshield coverage works in 2026 and how to check your eligibility.
What Is Free Windshield Coverage?
Free windshield coverage is a benefit included in comprehensive auto insurance policies in Florida. Under Florida Statute 627.7288, insurance companies must waive the deductible for windshield replacement claims. This means qualifying drivers pay $0—no hidden fees, no surprise charges.
- Full replacement covered under comprehensive insurance
- No deductible required
- Includes mobile installation and OEM-quality materials
- Available throughout Florida
What’s Covered Under Free Windshield Replacement?
Coverage typically includes everything needed for a safe and compliant installation:
- Front windshield glass
- Professional removal and installation
- Manufacturer-approved adhesives
- Mobile service to your home, job, or driveway
- ADAS recalibration when required
Side windows and rear glass are not covered by this statute, but may still be covered by your individual policy.
Who Qualifies in 2026?
Most Florida drivers automatically qualify as long as their insurance policy includes comprehensive coverage. Collision-only policies do not apply. If you’re unsure, our team verifies coverage in just a few minutes.
- ✔ Florida insurance
- ✔ Comprehensive coverage
- ✔ Valid auto policy
- ✔ Damage affecting the front windshield
Why Insurance Companies Cover Windshields
Windshields are a major safety component of the vehicle. Cracks can obstruct visibility or weaken structural support during a collision. Because of this, insurers and state lawmakers prioritize quick replacement to keep drivers safe on the road.
Plus, replacing a windshield early prevents larger, more expensive damage from developing later.
What’s New for 2026?
The 2026 updates do not change your right to a $0 windshield replacement. However, insurance carriers have introduced clearer documentation standards to streamline claims. These changes help ensure faster verification and installation.
- Stronger proof-of-loss requirements
- More transparent communication between repair companies and insurers
- Improved fraud-prevention checks
How to Get a Free Windshield Replacement
The process is fast, simple, and handled entirely for you. Here’s how it works:
- Submit your info through our secure form.
- We verify your coverage with your insurance provider.
- Schedule your mobile installation at a time that fits your schedule.
- Our certified technician installs your new windshield at your home or work.
- You pay $0 out of pocket.
There’s no deductible, no hassle, and no shop visit required.
Check Your Eligibility for Free Windshield Replacement