Can Older Hurricane Shutters Still Qualify for Insurance Discounts?

Yes, older hurricane shutters can still qualify for insurance discounts if they meet current building codes and impact resistance standards. Many insurance providers require shutters to be Florida Building Code (FBC) or Miami-Dade County approved to be eligible for wind mitigation credits, regardless of their age.

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

How Do I Know If My Older Hurricane Shutters Qualify for Insurance Discounts?

To determine if your older shutters qualify for insurance savings, check the following:

• Certification Labels – Look for manufacturer labels or documentation proving compliance with building codes.
• Wind Mitigation Inspection – A certified inspector can verify if your shutters meet current impact resistance standards.
• Proper Installation – Insurers often require shutters to be professionally installed and cover all openings, including doors and skylights.
• Material Condition – Shutters must be in good working order, free from rust, dents, or missing fasteners.

If your shutters meet these requirements, they may still be eligible for insurance discounts.

What If My Hurricane Shutters Were Installed Before Building Code Updates?

If your shutters were installed before newer building code updates, they may still qualify if they:

• Meet previous impact testing standards (such as ASTM E1996 or Miami-Dade NOA).
• Have passed a wind mitigation inspection confirming their structural integrity.
• Provide full storm protection by securing all vulnerable openings.

However, some insurers may require shutters to meet the most recent codes to qualify for maximum discounts. If your shutters are outdated, upgrading may be necessary to receive insurance savings.

Should I Upgrade Older Hurricane Shutters to Get Better Insurance Discounts?

Upgrading older hurricane shutters can increase insurance savings and provide better storm protection. Consider replacing shutters if:

• They lack certification under the latest building codes.
• They show signs of wear, such as rust, corrosion, or broken components.
• They do not cover all openings, as partial protection may not qualify for full insurance benefits.
• Your insurance company requires an upgrade for a discount.

Newer, Miami-Dade or FBC-certified shutters are more likely to be recognized for wind mitigation credits.

Find the Right Hurricane Shutters for Your Home

Even older hurricane shutters can help reduce insurance costs if they meet certification and installation standards. Scroll down to find the Storm Smart showroom nearest you and call to schedule an appointment. Our experts can inspect your existing shutters, provide necessary documentation, or help upgrade to a certified storm protection system.