Windows in Tampa lose to wind-driven rain off the Gulf and to a sun that sits on the glass every clear afternoon. The daily storm hits the west and south openings first. Older bungalows still have wood units that swell, stick, and rot at the sill. Newer houses have vinyl or aluminum that hazes, leaks at the flange, or no longer locks. Salt corrosion is a bayfront problem. A few miles inland the enemy is water and heat, not a beach-level chew on the metal.
A gulf blow tests the opening the way a summer thunderstorm only rehearses. If the house has impact glass or panels, say so. If it has original double-hung or a slider that has not closed flush in years, say that instead. Fog between panes is a dead seal, encouraged by humidity off the bay. Ask whether the proposal is glass only or a frame that has gone soft. An insert into a rotten bungalow frame hides the leak that the next sideways rain will find.
Ask how the sill is supposed to shed water. Tampa rain does not fall politely. It comes with wind, and a flange that was never tied into the wall becomes a stain under the window after one hard afternoon. Full-frame work shows that joint. Insert work assumes the joint is fine. Those are different jobs in a wood bungalow and in a stucco house, and this city has both.
Say which rooms face the afternoon storm and which sills are already stained. If a policy, a deductible, or a claim is also open, treat opening protection as a fact to report, not as a promise about the claim. Wind through a failed sash and flood water across the floor are different. Describe the frames. Call the number on this page.