Yes. Florida Statute 627.7288 applies to both windshield repair and replacement. If you have comprehensive auto insurance in Florida, chip and crack repair is covered at zero deductible — the same as a full replacement. Every major carrier operating in Florida is bound by this law, including State Farm, GEICO, Progressive, Allstate, USAA, and Travelers. There is no minimum damage threshold — a single quarter-inch chip is covered.
Not every damaged windshield needs full replacement. The repair vs. replacement decision depends on the size, type, and location of the damage:
Both repair and replacement are covered at $0 under Florida insurance law. If your damage requires replacement, the process and cost to you remain exactly the same.
Gainesville has several specific chip sources that make windshield damage more common than in many similarly sized Florida cities:
Gainesville's summer heat is one of the fastest drivers of chip expansion in Florida. Average high temperatures from June through September regularly exceed 90°F, and vehicles parked in direct sunlight — including open parking lots at UF, Butler Plaza, and Haile Plantation — reach interior temperatures of 140 to 160°F. This thermal cycling (repeated heating and cooling as you drive and park) causes existing chips to expand rapidly. A chip that qualifies for a 30-minute repair today can become a 12-inch crack requiring full replacement within two weeks of summer sun exposure.
Both repair and replacement are covered at $0 under Florida law. But acting quickly means a faster, less invasive repair rather than a full replacement job. Call us the same day you notice the chip.
Windshield chip repair uses a resin injection process that restores structural integrity and optical clarity to the damaged area. Our technician cleans the chip of debris, applies a bridge tool over the impact point, injects DOT-certified UV-cure resin under pressure, and cures the repair with ultraviolet light. The result is a chip that is structurally sound and visually minimized — the repaired area is significantly less visible than the original damage. The entire process takes 20 to 30 minutes. The vehicle is drive-away ready immediately.
Yes. Florida Statute 627.7288 applies to both repair and replacement. With comprehensive insurance, chip and crack repair costs $0 — just like a full replacement.
Chips up to 1 inch in diameter and cracks up to 6 inches long can typically be repaired. Larger damage, edge cracks, or damage in the driver's line of sight usually requires full replacement — also free with insurance.
20 to 30 minutes. The vehicle is drive-away ready immediately after service. Avoid car washes for 24 hours to allow the resin to fully cure.
Florida summer heat causes vehicle interiors to reach 140 to 160°F. Thermal cycling — repeated heating and cooling — causes existing chips to expand rapidly. A chip repairable today can become a 12-inch crack within two weeks of summer sun exposure.
Yes. We provide mobile chip and crack repair throughout UF campus, all Gainesville neighborhoods, and all Alachua County communities including Newberry, High Springs, Alachua, Archer, Hawthorne, Micanopy, and Waldo.
I-75 commercial truck traffic between Gainesville and Ocala is the single most common chip source. US-441 construction corridors, SW Gainesville development zones (Haile Plantation, Tioga), and UF campus construction areas also contribute significantly.
Don't let Gainesville's heat turn a repairable chip into a full replacement. Florida law covers both at zero deductible. We come to you anywhere in Alachua County.
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