Do All Insurance Companies Treat Hurricane Shutters the Same?

No, not all insurance companies treat hurricane shutters the same way. Coverage, discounts, and requirements vary depending on the insurer, policy terms, and location. Some companies offer significant wind mitigation discounts for certified shutters, while others may have strict requirements for eligibility.

Below, you will find answers to additional frequently asked questions related to how insurance companies assess hurricane shutters.

Why Do Insurance Companies Have Different Policies on Hurricane Shutters?

Insurance providers evaluate hurricane shutters based on several factors, including:

• State Regulations: Florida and other hurricane-prone states may have specific requirements for discounts.
• Company Risk Assessment: Some insurers prioritize homes with certified storm protection, while others focus on overall structural reinforcements.
• Shutter Certification: Miami-Dade or Florida Building Code (FBC) approved shutters are more likely to qualify for discounts.
• Policyholder Location: Homes in high-risk hurricane zones may have different coverage terms compared to inland properties.

These differences mean homeowners should review their policy and speak with their insurer to understand how hurricane shutters impact coverage and rates.

Which Hurricane Shutters Qualify for Insurance Discounts?

To be eligible for insurance savings, shutters typically must:

• Be impact-resistant and meet wind load standards.
• Cover all vulnerable openings, including windows, doors, and skylights.
• Be permanently installed (removable panels may not always qualify).
• Have certification from recognized agencies such as:
  • Florida Building Code (FBC)
  • Miami-Dade County NOA
  • Texas Department of Insurance (TDI)

Some insurers may require a wind mitigation inspection before applying any discounts.

How Can I Find Out How My Insurance Provider Treats Hurricane Shutters?

To determine how your insurer handles hurricane shutters:

1. Review Your Policy: Check if it mentions wind mitigation requirements or storm protection features.
2. Contact Your Insurance Company: Ask if they offer premium discounts for certified hurricane shutters.
3. Schedule a Wind Mitigation Inspection: Many insurers require an inspection to confirm your home’s storm readiness.
4. Provide Documentation: Submit proof of installation, certification, and compliance with building codes.

Taking these steps ensures you maximize your potential savings while keeping your home protected.

Find the Right Hurricane Shutters for Your Home

Every insurance company treats hurricane shutters differently, so it’s important to verify how your policy applies. Scroll down to find the Storm Smart showroom nearest you and call to schedule an appointment. Our experts can help you select and install shutters that meet insurance-approved standards.