Which Hurricane Shutter Certifications Are Recognized by Insurance Companies?

Insurance companies typically recognize hurricane shutters that meet Florida Building Code (FBC), Miami-Dade County, and Texas Department of Insurance (TDI) certification standards. These certifications ensure that shutters provide effective protection against high winds, flying debris, and storm pressure changes, which can qualify homeowners for insurance discounts.

Below, you will find answers to additional frequently asked questions related to hurricane shutter certifications and insurance recognition.

What Are the Most Recognized Hurricane Shutter Certifications?

Insurance companies look for shutters that meet one or more of the following certifications:

• Florida Building Code (FBC) Approved:
  • Requires shutters to pass rigorous wind and impact resistance tests.
  • Ensures compliance with state regulations for hurricane protection.
• Miami-Dade County & Broward County Approved:
  • Recognized as one of the most stringent hurricane protection standards.
  • Shutters must withstand high-pressure winds and impact from flying debris.
  • Often required for homes in South Florida’s High-Velocity Hurricane Zone (HVHZ).
• Texas Department of Insurance (TDI) Approved:
  • Ensures shutters meet storm protection requirements for Gulf Coast homes.
  • Tested for resistance to hurricane-force winds and extreme weather conditions.
• International Code Council (ICC) Certification:
  • Recognized in states outside of Florida and Texas that experience hurricanes.
  • Verifies structural integrity and wind resistance.

Shutters with these certifications are more likely to qualify for insurance discounts and meet local building code requirements.

How Do I Check If My Hurricane Shutters Are Certified?

To verify that your hurricane shutters meet insurance requirements:

1. Look for Manufacturer Labels – Certified shutters often display an approval label or code.
2. Check Florida Product Approval or Miami-Dade NOA Listings – Search the Florida Building Code database or Miami-Dade NOA database to confirm certification.
3. Ask Your Installer for Documentation – Professional installers should provide paperwork verifying compliance with local codes.
4. Consult Your Insurance Provider – Confirm which certifications they recognize for premium discounts.

Ensuring proper certification helps maximize insurance savings while keeping your home storm-ready.

Do Certified Hurricane Shutters Lower Insurance Premiums?

Yes, many insurance companies offer wind mitigation discounts for certified hurricane shutters. Savings depend on:

• The type of certification (Miami-Dade and FBC-approved shutters typically qualify for the highest discounts).
• Your home’s location (coastal areas often receive larger discounts).
• Proper installation (insurance companies may require a wind mitigation inspection).

Installing certified shutters can reduce insurance costs by 5% to 20%, depending on the provider and state regulations.

Find the Right Hurricane Shutters for Your Home

Choosing hurricane shutters with recognized certifications ensures maximum protection and potential insurance savings. Scroll down to find the Storm Smart showroom nearest you and call to schedule an appointment. Our experts can help you select certified shutters that meet insurance requirements and local building codes.