What Happens If My Hurricane Shutters Are Damaged After a Storm?

If your hurricane shutters are damaged after a storm, you should inspect them for structural issues, document the damage for insurance purposes, and arrange for repairs or replacements as soon as possible. Ensuring your shutters remain functional is crucial for continued storm protection and maintaining potential insurance discounts.

Below, you will find answers to additional frequently asked questions related to post-storm hurricane shutter damage.

How Should I Inspect My Hurricane Shutters After a Storm?

After severe weather, follow these steps to assess your hurricane shutters for damage:

1. Check for Visible Damage – Look for dents, cracks, warping, or broken fasteners.
2. Test Functionality – Open and close shutters to ensure smooth operation.
3. Inspect Mounting Hardware – Loose or missing screws and brackets can weaken shutter integrity.
4. Look for Corrosion or Water Damage – Salt and moisture exposure can accelerate rust and deterioration.
5. Document the Damage – Take photos and notes to provide to your insurance company if filing a claim.

If you find significant damage, schedule an inspection with a professional to determine whether repairs or replacements are necessary.

Does Homeowners Insurance Cover Hurricane Shutter Damage?

Coverage depends on your insurance policy and the nature of the damage:

• Covered Damage: Most homeowners insurance policies cover hurricane shutter repairs or replacement if the damage was caused by storm-related debris, high winds, or impact damage.
• Excluded Damage: Normal wear and tear, rust, and lack of maintenance may not be covered.
• Deductible Consideration: If the cost of repairs is lower than your deductible, it may not be worth filing a claim.

Review your policy or contact your insurer to confirm coverage details.

Should I Repair or Replace Damaged Hurricane Shutters?

The decision to repair or replace depends on the extent of the damage:

• Minor Damage: Small dents, scratches, or loose fasteners can often be repaired.
• Severe Damage: Bent tracks, broken slats, or inoperable shutters may require full replacement.
• Code Compliance: If your shutters are outdated and do not meet current Florida Building Code (FBC) or Miami-Dade County standards, upgrading may be the best option.

A professional assessment can help determine the best course of action.

Find the Right Hurricane Shutters for Your Home

If your hurricane shutters have been damaged by a storm, taking prompt action ensures your home remains protected. Scroll down to find the Storm Smart showroom nearest you and call to schedule an appointment. Our experts can assess your shutters, provide repair solutions, or help you upgrade to stronger storm protection.