Are There Insurance Benefits for Hurricane Shutter Maintenance?

Yes, maintaining your hurricane shutters can help preserve insurance discounts and ensure your home remains eligible for wind mitigation credits. Insurance companies may require shutters to be in good working condition to qualify for savings, and regular maintenance helps prevent claim denials due to neglect.

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

Can Neglecting Maintenance Affect My Insurance Discount?

Many insurance providers require hurricane shutters to be properly installed and fully functional for policyholders to receive storm protection discounts. If shutters become rusted, damaged, or inoperable, you may:

• Lose wind mitigation discounts if an inspection finds shutters are not storm-ready.
• Face claim denials if damage occurs and the insurer determines the shutters were not properly maintained.
• Need to repair or replace shutters before requalifying for insurance savings.

Routine inspections and servicing help ensure your shutters meet insurance requirements.

What Maintenance Steps Help Maintain Insurance Benefits?

To keep hurricane shutters in optimal condition and maintain insurance discounts, homeowners should:

1. Clean and Inspect Regularly – Wash shutters with mild soap and water to remove dirt and salt buildup, especially in coastal areas.
2. Check for Rust and Corrosion – Treat any rust spots immediately to prevent structural weakening.
3. Lubricate Moving Parts – Apply silicone-based lubricant to tracks, hinges, and rollers for smooth operation.
4. Test Deployment Before Hurricane Season – Open and close shutters to ensure they function correctly.
5. Schedule Professional Inspections – Some insurers may require an annual or periodic inspection to maintain discounts.

Following these maintenance steps helps prevent unexpected failures and insurance-related issues.

Does Professional Maintenance Improve Insurance Savings?

While insurance discounts are primarily based on certification and compliance, professional maintenance can:

• Help preserve existing insurance discounts by ensuring shutters remain fully operational.
• Provide official maintenance records, which may be helpful during insurance renewals or inspections.
• Extend the lifespan of hurricane shutters, reducing the need for costly replacements.

Some insurance providers may request documentation proving shutters are well-maintained to continue offering discounts.

Find the Right Hurricane Shutters for Your Home

Proper maintenance helps keep hurricane shutters functional and insurance-approved. Scroll down to find the Storm Smart showroom nearest you and call to schedule an appointment. Our experts can assist with inspections, servicing, and upgrades to keep your shutters in top condition.