I am working on a project in a zone 1 climate. Currently our house shows that it has a 34% window to floor area ratio (WFA). After doing the adjustment for SHGC for exceeding an 18% WFA, our final SHGC that we must meet is 0.14.

First, do we need to find a product with an SHGC less than 0.14 to get credit? Secondly, most of our windows are placed in areas with deep overhangs. These windows will never receive direct sunlight no matter what time of year it is. Do we have to count the window area in the overhangs? Seems like if the intent is to reduce solar heat gain, then we would be able to omit these from the WFA calculation.