Do Shutter Warranties Cover Storm Damage?

Most hurricane shutter warranties do not cover storm damage caused by hurricanes, strong winds, or flying debris. Instead, warranties typically cover defects in materials and workmanship. If a storm damages your shutters, your homeowners insurance may provide coverage, depending on your policy.

Below, you will find answers to additional frequently asked questions related to shutter warranties and storm damage.

What Does a Standard Shutter Warranty Cover?

Most manufacturer warranties protect against:

• Material defects – Issues with the shutter’s construction, such as cracks or warping.
• Workmanship defects – Problems arising from manufacturing errors.
• Paint and finish protection – Coverage for peeling, cracking, or excessive fading.
• Operational components – Protection for moving parts like hinges, motors, or tracks.

Warranties do not usually include damage caused by storms, improper installation, or lack of maintenance.

Why Don’t Warranties Cover Storm Damage?

Hurricane shutters are designed to reduce the impact of storms, but they cannot eliminate all risks. Manufacturers exclude storm damage from warranties because:

• Extreme weather events are unpredictable and can exceed the rated wind-load capacity of shutters.
• Damage often results from improper installation, which falls outside the manufacturer’s control.
• Warranties focus on product integrity, not accidental or environmental damage.

Since storm damage is considered an external factor, homeowners should check their insurance policies for coverage options.

Can Homeowners Insurance Cover Storm-Damaged Shutters?

In many cases, homeowners insurance may cover shutter damage if it occurs due to a hurricane, high winds, or flying debris. However, coverage depends on:

• Your policy terms – Some policies include hurricane protection, while others require a special rider.
• Deductibles – High hurricane deductibles may limit coverage.
• Wind mitigation inspections – Insurers may require certified shutters to qualify for storm-related claims.

If you’re unsure, review your insurance policy or speak with your provider to understand your coverage.

How Can I Protect My Shutter Investment?

To maximize protection and ensure your shutters last through multiple storm seasons:

1. Verify your installation – Ensure shutters are installed by professionals to meet code requirements.
2. Perform regular maintenance – Lubricate moving parts and check for wear and tear.
3. Register your warranty – Some manufacturers require registration to activate coverage.
4. Consider additional insurance coverage – If storm damage concerns you, ask your insurer about supplemental coverage.

Find the Right Hurricane Shutters for Your Home

Looking for storm-resistant shutters backed by reliable warranties? Storm Smart offers high-quality hurricane protection solutions. Scroll down to locate your nearest showroom and call to schedule an appointment today!