If you carry comprehensive coverage in Florida, your windshield replacement can be no cost under Fla. Stat. § 627.7288 — we verify your coverage, assist with your claim, and come to you anywhere in the state.
Here's the straight answer drivers searching for free windshield replacement florida are looking for: in Florida, a windshield replacement can be at no cost for most drivers who carry comprehensive coverage. Under Fla. Stat. § 627.7288, your insurer must waive the deductible on a windshield repair or replacement when you carry comprehensive coverage — so you typically owe nothing out of pocket. We verify your coverage, assist with your claim, bill your insurer directly, and come to you anywhere in Florida, usually the same or next day. The benefit is a waived deductible, not a cash payment or rebate. And if you don't carry comprehensive coverage, we won't turn you away — we'll give you a straightforward cash quote.
In most cases, your own comprehensive coverage does — and thanks to Florida law, it pays without charging you a deductible. Fla. Stat. § 627.7288 prohibits your insurer from applying a deductible to a windshield repair or replacement when you carry comprehensive coverage. That's what makes the replacement no cost to you: the insurer pays for the glass and installation under your policy, and you owe nothing out of pocket. It doesn't matter whose "fault" the damage was — a rock thrown from a truck, road debris, a storm, or a stray ball at the park all fall under comprehensive, which is the no-fault part of your policy built for exactly this. You don't chase the other driver, and you don't file a liability claim. You verify your coverage, we assist with the claim, and your insurer covers the work. If you don't carry comprehensive coverage, the cost falls to you — but we'll quote it honestly up front so there are no surprises.
Whether your replacement is no cost comes down to one thing: your coverage. The deductible waiver under § 627.7288 applies only when you carry comprehensive coverage — the part of your policy most drivers call "full coverage" (a phrase that causes a lot of confusion, since "full coverage" isn't a real policy type and doesn't always include comprehensive). If you lease your vehicle or have a loan on it, you almost certainly carry comprehensive, because lenders require it. If you carry only liability or PIP, the waiver doesn't apply. Checking your eligibility is simple and takes two steps: first we confirm the damage actually needs a replacement — a small chip can often be repaired instead — then we verify that your policy includes comprehensive coverage. If it does, your replacement can be no cost. If it doesn't, you're not stuck: we'll give you a straightforward cash quote off your VIN and your vehicle's year, make, and model, so you know exactly what it costs before anything is scheduled.
If your Florida policy includes comprehensive coverage, the answer is yes for most drivers — the repair or replacement can be no cost out of pocket. Fla. Stat. § 627.7288 requires your insurer to waive the deductible on a windshield repair or replacement when you carry comprehensive coverage, so you typically owe nothing. The benefit is a waived deductible, not a cash payment or rebate. If you carry only liability or PIP coverage, the waiver doesn't apply — but we won't turn you away. Share your VIN and your vehicle's year, make, and model, and we'll give you a straightforward cash quote up front. Either way, we verify your coverage, assist with the claim, and come to you, often the same or next day.
If you saw headlines about Florida ending no-cost windshield claims, here's the part that matters: the deductible waiver is still in force. In 2023, Florida passed SB 1002, which eliminated the assignment-of-benefits (AOB) loophole for auto glass claims — the arrangement that let some shops take over a driver's claim rights and sue insurers, the practice behind the "cash-back" and gift-card inducements that flooded the state. SB 1002 shut down that abuse. What it did not do is repeal § 627.7288. The core consumer protection — your insurer waiving the windshield deductible when you carry comprehensive coverage — is exactly the same as it was before. So the answer to "is it still no cost?" is yes, for drivers with comprehensive coverage. What changed is the gimmicks, not the benefit. We never offered cash-back inducements in the first place — we simply assist with a legitimate claim and replace your glass, with no kickbacks and no pressure.
You don't have to navigate the insurance side alone, and you don't have to be the one on hold. The smartest move is to call us before you call your insurance company. Here's why: the moment you call your carrier first, their preferred-shop network can steer the job to whoever they choose. Call us first and you keep your choice of who does the work — Florida law gives you that right. From there, we verify your comprehensive coverage, assist with the claim, and bill your insurer directly under § 627.7288. To be clear about what that means: we assist with the claim and bill your insurer directly; the claim stays in your name, but we make the insurance side about as hands-off as it can be for you. What you do: tell us your vehicle and your carrier, and confirm a time and place. What we do: verify coverage, assist with the claim, bring the glass and tools to you, install it, and recalibrate your ADAS — usually in a single visit, often the same or next day.
Yes — Fla. Stat. § 627.7288 applies to comprehensive policies across the board, so the deductible waiver isn't tied to one company. Geico, State Farm, Progressive, Allstate, USAA, and the other major carriers writing comprehensive coverage in Florida are all bound by the same law: no deductible on a windshield repair or replacement for drivers who carry comprehensive coverage. We work with most insurers and verify your specific policy before any work begins, so there's no guessing about what's covered. A couple of carriers route glass claims through a third-party administrator, which can add a step — but it doesn't change your right to choose your own shop or the no-cost outcome. Tell us who you're insured with and we'll confirm exactly how your claim works before we schedule a thing.
It's the question almost every driver asks, and the answer is reassuring: a comprehensive glass claim is not the same as an at-fault accident. Windshield damage from a rock, road debris, or a storm is a no-fault, comprehensive event — the kind insurers expect, and the kind § 627.7288 is written to cover without a deductible. A single glass claim generally doesn't carry the premium impact that a collision or an at-fault claim can. Insurers do set their own underwriting rules, and frequent claims of any kind can factor into a renewal, so the final word is always your carrier's — but for most drivers, using comprehensive coverage to fix a cracked windshield is exactly what that coverage is for. If you'd rather know precisely where you stand before you decide, tell us who your carrier is and we'll walk you through what the claim looks like first. No pressure, no surprises.
If you don't carry comprehensive coverage, the § 627.7288 waiver doesn't apply — but you still have a clear, fair option, and we won't turn you away. Tell us your VIN along with your vehicle's year, make, and model, and we'll give you a straightforward cash quote up front, with no surprise add-ons at the driveway. Most windshield replacements run a few hundred dollars depending on your vehicle and whether it needs ADAS calibration; specialty and luxury glass runs higher. For the full breakdown of what drives the price — make and model, OEM vs. aftermarket glass, and the ADAS line item — see our windshield replacement cost guide. Either way, you get the same mobile service: we come to you, install quality glass, and recalibrate your safety systems in the same visit.
Most newer vehicles have a camera and sensors mounted behind the windshield that run lane-keep assist and automatic emergency braking. When the glass is replaced, those systems have to be recalibrated or they can't be trusted — and on an ADAS-equipped car, that calibration is part of the job, not an optional add-on. Here's the good news for no-cost claims: when your replacement is covered under § 627.7288, the calibration is typically covered right along with the glass, so it's included at no cost out of pocket. We do it in the same visit using the same OEM-trusted tablet technology the dealer uses, and we verify and validate that your safety systems read as calibrated before we leave — no second appointment, no dealer trip. To go deeper on what calibration involves and what it costs, see our ADAS calibration guide.
We're the local, employee-owned alternative to the national chains — and to the cash-back outfits that chased claims before SB 1002 shut them down. No private equity, no out-of-state call center routing your job to whoever's closest. We're in your backyard, at the ball games, and we come to you anywhere in Florida.
Mobile windshield service in these Florida cities and the surrounding areas:
For most drivers with comprehensive coverage, yes — it can be no cost. Fla. Stat. § 627.7288 requires your insurer to waive the deductible on a windshield repair or replacement when you carry comprehensive coverage, so you typically owe nothing out of pocket. We verify your coverage and assist with the claim from start to finish. It's a waived deductible, not a cash payment or rebate. Don't carry comprehensive coverage? We'll give you a straightforward cash quote instead.
No. SB 1002 eliminated the assignment-of-benefits loophole behind the old cash-back and gift-card inducements, but it did not repeal § 627.7288. The core protection — your insurer waiving the windshield deductible when you carry comprehensive coverage — is unchanged. For drivers with comprehensive coverage, a windshield replacement can still be no cost out of pocket.
We are fully mobile. Our technicians come to your home or workplace anywhere in Florida, usually the same day or the next day, and complete the replacement and ADAS recalibration on-site.
Florida does not set a specific crack length, but state law (Fla. Stat. § 316.2952 and § 316.610) requires a windshield in safe condition with an unobstructed view, and an officer can cite a windshield that impairs the driver's vision or makes the vehicle unsafe. Small chips tend to spread, so it is best to repair them early.
Mobile windshield repair, replacement, and same-visit ADAS recalibration across Florida and South Carolina. Call us first — we assist with the insurance claim, and most drivers with comprehensive coverage pay no cost out of pocket.