Ask Jack Stumpff who owns a Garage door company and is questioning why people are being denied coverage because of garage doors that are only Impact rated. Other doors also protect the homes quite successfully,but no credits are given because it does not meet the State levels.  Jack took his case to Tall. and against the Office of Insurance Regulation and he won the case. Now we should not think that it ends here as the OIR will now appeal the case and until the appeal is complete, which could take years, the form will be the same and no additional discounts will be given at this time. This story was written by Ariel Barkhurst of the Fort Lauderdale Sun Sentinal and brounght to us by our friend at First State Insurance. Please call L & S Insurance at 1-888-244-7400 for quotes on Home, Auto, Flood, Business and Commercial and Life Insurance policies as well. Please enjoy the full story below;,0,3577041.story