On this page, you will find answers to some of our customers’ most frequently asked questions about Storm Smart hurricane protection products

What are hurricane shutters?

Hurricane shutters are protective coverings designed to shield windows and doors from high winds and flying debris during storms. They come in various styles and materials to meet local building codes. To lean more, click here.

Why are hurricane shutters important?

Hurricane shutters are essential for protecting homes and businesses from high winds, flying debris, and other outdoor elements during severe storms. Properly installed shutters provide a strong barrier, helping to preserve structural integrity and enhance safety in hurricane-prone areas. To learn more, click here.

How do hurricane shutters differ from regular shutters?

Hurricane shutters are specifically engineered for extreme weather, using heavier materials and impact-resistant designs. Regular decorative shutters typically lack the strength and certifications needed for
storm protection. To learn more, click here.

When should I deploy hurricane shutters?

It’s best to install or close your shutters as soon as a hurricane watch or warning is issued. This ensures you have enough time to secure your home before conditions become dangerous. To learn more, click here.

Are hurricane shutters mandatory in Florida?

Many regions in Florida have strict building codes requiring approved storm protection for new construction. While older homes may not be mandated to retrofit shutters, adding them can lower insurance premiums and increase safety. To learn more, click here.

Can hurricane shutters be used for everyday security?

Some homeowners keep rolling shutters partly closed for privacy or security. However, they’re primarily designed for storm protection, and daily use may cause additional wear over time. To learn more, click here.

Do hurricane shutters require professional installation?

While some shutters can be installed by experienced DIYers, professional installation ensures proper fit, compliance with local codes, and might be required to maintain warranties. To learn more, click here.

What wind speeds can hurricane shutters withstand?

Wind-load ratings vary by product, but many shutters are designed to handle speeds of 150 mph or more, depending on certifications and local building code requirements. To learn more, click here.

Do I still need impact windows if I have hurricane shutters?

Impact windows provide additional protection and may reduce noise and UV exposure year-round. However, properly certified shutters alone can meet code requirements for many properties. To learn more, click here.

How do hurricane shutters affect my home’s appearance?

Modern shutter designs aim for both functionality and aesthetics. Styles like Bahama or colonial shutters can complement the home’s exterior while still offering strong storm protection. To learn more, click here.

What are accordion shutters?

Accordion shutters fold sideways like an accordion, mounted on tracks for easy deployment. They’re popular for covering large openings and curved areas. To learn more, click here.

How do rolling shutters work?

Rolling shutters coil into a housing box above the opening, deploying vertically at the push of a button or by manual crank. They offer convenience, security, and compact storage when not in use. To learn more, click here.

What are Bahama hurricane shutters?

Bahama shutters are top-hinged louvers that add tropical flair while shading windows. They swing down and can be secured during storms for robust wind protection. To learn more, click here.

What are colonial hurricane shutters?

Colonial shutters are side-hinged and often installed in pairs, reminiscent of classic architectural styles. Beyond aesthetics, they provide solid hurricane protection if they meet local code requirements. To learn more, click here.

Are metal hurricane shutters always made of aluminum?

Aluminum is common due to its strength and corrosion resistance, but some metal shutters may use steel or other alloys based on local regulations or design preferences. To learn more, click here.

What is the difference between aluminum and polycarbonate storm panels?

Aluminum storm panels are sturdy and budget-friendly, while polycarbonate panels are clear, allowing natural light in. Both are lightweight and can be removed after storm season. To learn more, click here.

Can fabric shutters be as effective as metal hurricane shutters?

Modern fabric storm panels use high-strength, coated materials that can resist strong winds and flying debris. They’re lighter and easier to store, though metal shutters often have longer proven track records. To learn more, click here.

How do I choose the right shutter material for my home?

Consider factors like local code requirements, budget, aesthetic preferences, and desired light or visibility. Each material offers unique advantages and trade-offs. To learn more, click here.

Are there rust-proof hurricane shutter options?

Many aluminum shutters are corrosion-resistant, making them suitable for coastal environments. Regular maintenance further protects against salt and moisture damage. To learn more, click here.

Do certain hurricane shutter types suit condos better than single-family homes?

Rolling or accordion shutters are often favored in multi-story buildings for their ease of operation. However, specific condo associations may have design guidelines. To learn more, click here.

What steps are involved in installing hurricane shutters?

Installation typically includes measuring openings, securing the mounting hardware, and testing the shutters for smooth operation. Adhering to local building codes is crucial. To learn more, click here.

Is special equipment needed for DIY shutter installation?

Basic power tools like drills and saws may suffice, but certain materials or custom cuts may require professional-grade tools and expertise. To learn more, click here.

Will I need a permit to install hurricane shutters on my home?

Permit requirements vary by municipality. In many Florida counties, you must submit shutter plans for approval before installation. To learn more, click here.

Should I install hurricane shutters on every window and door?

It’s recommended to protect all exterior openings, including doors with glass inserts, to ensure comprehensive storm protection. To learn more, click here.

Can I reuse existing track systems for new hurricane shutters?

In some cases, old track systems can be adapted if they’re still code-compliant and compatible with the new shutter design. A professional assessment is advisable. To learn more, click here.

How do I find a reputable hurricane shutter installer?

Look for licensed contractors familiar with local codes, and ask for references or reviews. Membership in professional associations or manufacturer certifications can also be good indicators of quality. To learn more, click here.

Does the orientation of the shutter matter (e.g., vertical vs. horizontal tracks)?

Yes. Proper orientation impacts how effectively the shutter withstands wind loads and debris impact. Always follow the manufacturer’s recommendations for installation. To learn more, click here.

How do I prepare my home before a hurricane shutter installation?

Clear the area around windows and doors, remove any obstructions like awnings, and ensure the mounting surface is clean and free of damage. To learn more, click here.

Can Custom Shutters Be Built to Fit Unusual Shapes or Sizes?

Custom shutters can be built to fit unusual shapes or sizes, such as bay windows or arched entrances. Ensure you work with a provider experienced in custom solutions. To learn more, click here.

How often should I inspect my hurricane shutters?

Inspect shutters at least twice a year before hurricane season and once afterward. Check for loose hardware, rust, or other signs of wear. To learn more, click here.

Do hurricane shutters require lubrication?

Moving parts on accordion or rolling shutters may benefit from light lubrication. Always use a lubricant recommended by the manufacturer to avoid damaging the tracks. To learn more, click here.

How can I keep my aluminum shutters from corroding?

Regular cleaning with mild soap and water helps remove salt buildup and debris. Applying a protective coating or wax can also help preserve the finish. To learn more, click here.

Should I test my hurricane shutters during the off-season?

Yes. Lower the shutters a few times each year to ensure they operate smoothly, allowing you to catch and fix any mechanical issues before a storm hits. To learn more, click here.

What’s the best way to clean Bahama shutters?

Use a soft brush or cloth with mild detergent, carefully rinsing away residue. Avoid harsh abrasives that could damage the shutter’s finish. To learn more, click here.

When should I replace hurricane shutter hardware?

Replace screws, bolts, and fasteners that show signs of corrosion, stripping, or wear. Damaged hardware can undermine the shutter’s storm resistance. To learn more, click here.

Are rolling shutters prone to mechanical failure?

Rolling shutters include a motor or gear mechanism that can wear out over time. Regular maintenance and prompt repairs help keep them operational. To learn more, click here.

Can I repaint my hurricane shutters?

Many metal shutters can be repainted with proper surface preparation and paint formulated for metal surfaces. Always check with the manufacturer’s guidelines first. To learn more, click here.

Is professional maintenance required for hurricane shutters warranty validity?

Some manufacturers require periodic professional inspections or maintenance records to keep warranties in effect. Review your warranty terms for details. To learn more, click here.

How can I store removable storm panels after hurricane season?

Clean and dry panels thoroughly, then stack them in a cool, dry area away from direct sunlight. Label each panel to easily match it to the correct window next season. To learn more, click here.

Which hurricane shutter certifications are recognized by insurance companies?

Commonly recognized certifications include Miami-Dade County, Florida Building Code, and ASTM standards. Check with your insurer for specific requirements. To learn more, click here.

Is a wind mitigation inspection required to get insurance discounts?

In most cases, yes. An approved inspector assesses your home’s protective features to confirm eligibility for a lower premium. To learn more, click here.

Can Insurance Claim be Denied if I Didn’t Deploy the Hurricane Shutters During a Storm?

Some policies require you to use installed protective devices during a named storm. Failing to do so might affect your coverage if damage occurs. To learn more, click here.

Does installing new hurricane shutters affect my existing policy mid-term?

You can often request a policy endorsement or re-evaluation to reflect the home improvement and potentially lower your premium before renewal. To learn more, click here.

Do all insurance companies treat hurricane shutters the same?

Policies vary. Some insurers offer more substantial discounts, while others have specific guidelines about approved shutter types and installations. To learn more, click here.

How do I prove my hurricane shutters meet code for insurance purposes?

Keep documentation such as purchase receipts, product labels, and installation permits. Official certification labels also help verify code compliance. To learn more, click here.

Can older hurricane shutters still qualify for insurance discounts?

If they were code-compliant at installation and remain in good condition, some insurers may still grant discounts. A fresh inspection can confirm eligibility. To learn more, click here.

Are there insurance benefits for hurricane shutter maintenance?

While maintenance alone might not reduce premiums, well-maintained shutters help ensure readiness during inspections and minimize the risk of claim denials. To learn more, click here.

What happens if my hurricane shutters are damaged after a storm?

Insurance may cover repairs or replacement, depending on your policy and whether the damage occurred during a covered event. Document all damages promptly. To learn more, click here.

How do accordion shutters compare to rolling shutters in cost?

Accordion shutters are typically less expensive, but rolling shutters offer greater convenience and automated options. The final cost can vary based on materials and installation. To learn more, click here.

Which hurricane shutter style offers the best balance of aesthetics and protection?

Bahama and colonial shutters often blend style with robust storm defense, while rolling shutters focus on convenience. The best choice depends on your design preferences. To learn more, click here.

Are aluminum panels stronger than fabric storm panels?

Aluminum typically offers higher impact resistance, but modern fabrics are highly tested and can effectively block debris. Many homeowners choose fabric for its lighter weight and easier storage. To learn more, click here.

Which shutter type is easiest to install myself?

Removable storm panels are often considered the most DIY-friendly if you’re comfortable measuring and mounting hardware. Rolling shutters usually require professional expertise. To learn more, click here.

Do some hurricane shutters offer better natural light than others?

Clear polycarbonate panels let light pass through, while rolling and accordion shutters typically block most light when fully closed. Bahama shutters can be partially open for ventilation. To learn more, click here.

Which hurricane shutter is best for second-story windows?

Rolling shutters with a motor can be operated from inside, making them a popular choice for multi-story homes. Accordion shutters are also manageable if you have safe access. To learn more, click here.

How do hurricane shutters compare in terms of noise reduction?

Rolling shutters, when closed, can slightly dampen outside noise, while metal storm panels offer minimal sound insulation. Noise reduction varies based on installation quality and materials. To learn more, click here.

What’s the difference in maintenance between accordion and Bahama shutters?

Accordion shutters have more moving parts that need lubrication, while Bahama shutters are simpler but may need more frequent surface cleaning. Both require periodic inspections. To learn more, click here.

Do some hurricane shutters provide better insulation against heat or cold?

Rolling shutters can add a layer of insulation, reducing heat gain or heat loss. Most shutters primarily focus on storm protection, so any insulation benefit is often secondary. To learn more, click here.

Which hurricane shutter offers the highest wind-load rating?

Many rolling and accordion shutters are engineered to meet or exceed top wind-load standards, but ratings vary by manufacturer and certification. Always check product specs. To learn more, click here.

What is Miami-Dade County approval in regards to shutters?

Miami-Dade County approval is a stringent testing standard indicating shutters can withstand severe wind loads and impact scenarios. It’s widely recognized in hurricane-prone regions. To learn more, click here.

What is the Florida Building Code (FBC)?

The FBC is a set of regulations dictating minimum construction standards, including hurricane protection. Shutters meeting FBC standards are suitable for most areas in Florida. To learn more, click here.

What are ASTM hurricane shutter standards?

ASTM standards (like E1886 or E1996) outline test protocols for impact and wind resistance. Many jurisdictions require compliance with these benchmarks. To learn more, click here.

Do I need both Miami-Dade and FBC approval for my hurricane shutters?

Miami-Dade–approved products typically comply with FBC, but always verify with your local building department. Requirements may vary by county. To learn more, click here.

Are non-certified hurricane shutters ever allowed?

Some older or uncertified shutters may be grandfathered in, but they might not qualify for insurance discounts or meet current safety codes. To learn more, click here.

How do I verify if a shutter has legitimate certification?

Look for official product labels and paperwork, or check the online database of the certifying agency. Contractor documentation can also confirm compliance. To learn more, click here.

Are fabric shutters also subject to certification tests?

Yes. Fabric storm systems can undergo similar impact and wind testing, earning approval if they pass. Always confirm the specific rating before purchase. To learn more, click here.

Can I upgrade older shutters to meet current code?

Retrofitting might be possible with stronger hardware or additional reinforcing panels. Always consult a professional to determine if an upgrade is feasible. To learn more, click here.

Do Bahama and colonial shutters meet code requirements?

They can if they’re specifically engineered and tested for hurricane impact. Aesthetic versions alone may not suffice without proper reinforcements. To learn more, click here.

Does certification differ for residential vs. commercial shutters?

The standards are largely the same, but commercial properties may have higher wind-load or occupant safety requirements. Always verify local regulations. To learn more, click here.

Why do some municipalities require permits for shutter installation?

Permits ensure that installations meet local building codes and safety standards. They also help inspectors verify that protective measures are effective. To learn more, click here.

What documents do I need to apply for a shutter permit?

You typically need shutter specifications, building plans, and certification details, plus an application form from your local building department. To learn more, click here.

Can I install shutters without a permit and request one later?

Installing shutters first may result in fines or require retroactive inspections. It’s generally best to secure permits in advance to ensure compliance. To learn more, click here.

Are there separate permits for each shutter type?

Permit processes are often similar for all hurricane shutters, but some municipalities classify them by material, so check local guidelines for specifics. To learn more, click here.

Will the building inspector verify the shutters’ certification?

Yes, inspectors often check product labels or official approvals. They may also test the fit and fastening systems to confirm code compliance. To learn more, click here.

Do historical districts in Florida have different regulations for shutter installation?

Yes, certain neighborhoods require shutters that blend with historical aesthetics. You may need approval from local preservation boards. To learn more, click here.

How much do permits for hurricane shutters cost?

Permit fees vary widely by region and can range from nominal amounts to several hundred dollars, depending on project size and local fee structures. To learn more, click here.

Can contractors handle the shutters permit process on behalf of their clients?

Yes. Many contractors manage applications and inspections for clients. Make sure they’re licensed and familiar with local regulatory processes. To learn more, click here.

What kind of warranty is typical for hurricane shutters?

Manufacturers often offer warranties ranging from 5 to 20 years, covering defects in materials and workmanship. Coverage varies, so always read the fine print. To learn more, click here.

Do shutters warranties cover storm damage?

Warranties usually protect against manufacturing defects, not storm-related damage. Insurance policies, rather than warranties, often cover storm damage repairs. To learn more, click here.

What voids a hurricane shutter warranty?

Improper installation, unauthorized repairs, or neglecting recommended maintenance can void warranties. Always follow manufacturer guidelines. To learn more, click here.

Does hurricane shutters professional installation extend the warranty period?

Some manufacturers offer extended coverage if a certified installer completes the project. Verify the specific terms when purchasing. To learn more, click here.

Are extended shutter warranties worth it?

Extended warranties can offer peace of mind for high-end shutters, but weigh the extra cost against the likelihood of repairs or early component failures. To learn more, click here.

Can I finance my hurricane shutter purchase?

Many suppliers provide in-house financing or partner with third-party lenders, offering payment plans or promotional rates to spread the cost over time. To learn more, click here.

What credit score is needed to qualify for shutter financing?

Requirements vary, but a fair-to-good credit score generally improves your chances for favorable loan terms. Some lenders offer special programs for lower credit. To learn more, click here.

Are there government rebates or grants for installing hurricane shutters?

Certain states or local governments may provide incentives or rebates, especially in high-risk areas. Check your local emergency management or housing authority websites. To learn more, click here.

Can I use a home equity loan to pay for shutters?

Yes. Many homeowners tap into their equity to fund large home improvements, including hurricane shutter installations. Consult your lender for terms and interest rates. To learn more, click here.

If I sell my home does the shutter warranty transfer to the new owner?

Some manufacturers allow warranty transfer within a specific timeframe, while others limit coverage to the original purchaser. Review the warranty’s transferability clause. To learn more, click here.