Are Non-Certified Hurricane Shutters Ever Allowed?

Non-certified hurricane shutters may be allowed in some areas, but they do not meet the stringent wind and impact resistance standards required by building codes in hurricane-prone regions. Homeowners in areas with milder storm risks may use non-certified shutters, but they typically do not qualify for insurance discounts and may provide limited protection compared to certified options.

Below, you will find answers to additional frequently asked questions related to non-certified hurricane shutters.

Where Are Non-Certified Hurricane Shutters Allowed?

In general, Florida and other high-risk coastal states require hurricane shutters to be certified to meet Florida Building Code (FBC) or Miami-Dade County approval standards. However, non-certified shutters may be used in areas with lower wind risk where:

• Local building codes do not mandate impact-rated protection.
• Homeowners want additional storm coverage but are not required to install certified shutters.
• Insurance discounts are not a concern.

Before installing non-certified shutters, it’s best to check with your local building department to ensure compliance.

What Are the Risks of Using Non-Certified Hurricane Shutters?

Non-certified shutters do not undergo rigorous wind and impact testing, which means they may:

• Fail under hurricane-force winds.
• Be more prone to damage from flying debris.
• Not provide adequate protection for windows and doors.
• Disqualify homeowners from insurance savings or claims.

Certified shutters must pass impact resistance and cyclic wind pressure tests, ensuring they hold up in extreme weather.

Do Non-Certified Shutters Qualify for Insurance Discounts?

No, non-certified hurricane shutters do not qualify for wind mitigation discounts on homeowner’s insurance. To be eligible for discounts, shutters must:

• Be tested and certified to meet FBC, Miami-Dade, or ASTM standards.
• Cover all exterior openings, including windows and doors.
• Pass a wind mitigation inspection to verify compliance.

If hurricane protection and insurance savings are priorities, certified shutters are the better option.

Find the Right Hurricane Shutters for Your Home

For the best storm protection and compliance with building codes, certified hurricane shutters are recommended. Scroll down to find the Storm Smart showroom nearest you and call to schedule an appointment. Our experts can help you choose shutters that meet state and insurance requirements for maximum protection.