Windows in Jacksonville have a winter job and a summer job, which is the point of this city. In a cold snap the draft at an old sash is not a quirk. It is heat leaving a house that actually needs heat. In summer the same unit bakes, sticks, and lets a thunderstorm in at the sill. On the beaches, salt pits aluminum and seizes hardware. Inland, under the oaks, the frames are more often tired wood, rotten sills, and cords that gave up, with less corrosion and more draft.
Condensation shows up here in a way south Florida barely understands. Cold glass, humid indoor air, and a house that is closed up for a chilly night put water on the pane and then on the stool. That is not the same as a leak from wind-driven rain, and it is not flood. Fog between two panes is a dead seal. Soft wood at the bottom of an old double-hung is a frame problem. Ask which one is being proposed before an entire opening is ripped out of a plaster wall.
Impact glass and shutters belong in the beach conversation and in any house that has already decided to meet wind-borne debris. They are less automatic inland, where the daily complaint may be a sash that will not lock and a room that will not hold heat on a January morning. Insert replacements that leave a rotten frame are a poor bargain in these older houses. Full-frame work shows the rough opening, which is often where the real decay is. Ask how the new unit is flashed, because this rain still comes sideways.
Say how many openings, whether you are chasing drafts, rot, salt, or a storm leak, and whether the house is beach or river-inland. If a policy, a deductible, or a claim is open, broken glass from wind is not river water on the floor. Describe the frames you have, including the ones that only misbehave when the morning is actually cold. Call the number on this page.