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

Yes, an insurance claim can be denied if you did not deploy your hurricane shutters during a storm, depending on your policy terms. Many insurance providers require homeowners to take reasonable protective measures to minimize damage, and failing to do so could result in reduced or denied coverage.

Below, you will find answers to additional frequently asked questions related to hurricane shutters and insurance claims.

Does My Insurance Policy Require Me to Deploy Hurricane Shutters?

Each insurance policy is different, but some policies include specific clauses stating that homeowners must:

• Use all available protective measures when a hurricane warning is issued.
• Follow wind mitigation guidelines if they received discounts for hurricane-rated shutters.
• Maintain and properly install shutters to ensure they function correctly.

If your policy includes these requirements and you fail to secure your shutters, an insurance company may argue that you did not take proper precautions to protect your home.

What Happens If I Forget to Deploy My Shutters?

If you fail to deploy your shutters and your home sustains storm damage, the outcome will depend on your insurer’s assessment:

• Partial Claim Reduction: The insurer may cover some damage but reduce the payout.
• Claim Denial: If the insurer determines that failure to use shutters contributed to the damage, they may deny coverage.
• Full Coverage: Some policies may still cover damage, particularly if the storm exceeded the rated impact resistance of your shutters.

To avoid potential issues, review your policy’s windstorm protection requirements.

How Can I Ensure My Insurance Claim Is Not Denied?

To minimize the risk of claim denial, homeowners should:

• Deploy shutters whenever a hurricane warning is issued.
• Keep maintenance records to prove shutters are functional and in good condition.
• Document storm preparations by taking photos before and after shutter deployment.
• Confirm policy details with an insurance agent to understand coverage obligations.

Proper preparation ensures your home remains protected and your insurance claim remains valid.

Find the Right Hurricane Shutters for Your Home

Using hurricane shutters as required by your insurance policy can help protect your home and ensure claim approval. Scroll down to find the Storm Smart showroom nearest you and call to schedule an appointment. Our experts can help you install, maintain, and upgrade your shutters for maximum storm protection.