Does Certification Differ for Residential vs. Commercial Shutters?

Yes, certification standards for residential and commercial hurricane shutters can differ due to variations in building codes, wind load requirements, and structural considerations. While both types must meet Florida Building Code (FBC) and Miami-Dade County approval in hurricane-prone areas, commercial shutters often require higher impact resistance and stronger wind-load ratings to protect larger buildings.

Below, you will find answers to additional frequently asked questions related to the certification differences between residential and commercial hurricane shutters.

How Do Residential and Commercial Shutter Certifications Differ?

While both residential and commercial shutters must meet stringent impact and wind resistance standards, key differences include:

Factor	Residential Shutters	Commercial Shutters
Wind Load Requirements	Must withstand wind speeds up to 150+ mph, depending on location	Often designed for higher wind speeds due to larger surface areas
Impact Testing	Must pass small & large missile impact tests (ASTM E1996)	Typically requires higher impact resistance for large windows and glass storefronts
Certification Standards	Must meet Florida Building Code (FBC) and Miami-Dade approval in hurricane-prone areas	Must comply with FBC, Miami-Dade, and sometimes International Building Code (IBC)
Shutter Size & Design	Generally smaller and easier to deploy manually	Often larger, motorized, and reinforced for high-traffic areas

The main takeaway: Commercial shutters undergo more rigorous testing to account for the size and complexity of commercial structures.

Do Commercial Buildings Require Specific Shutter Approvals?

Yes, commercial shutters may require additional approvals based on:

• Building height and exposure category – Taller buildings experience stronger wind forces and need shutters rated for higher pressure loads.
• Local business regulations – Some commercial districts have strict aesthetic guidelines for shutter installations.
• Fire safety and egress requirements – Commercial shutters may need quick-release mechanisms for emergency exits.

Before purchasing commercial shutters, consult local building authorities to ensure compliance.

Do Residential and Commercial Shutters Qualify for the Same Insurance Discounts?

Both residential and commercial hurricane shutters can help lower insurance premiums if they meet certified wind mitigation standards. However:

• Residential homeowners typically receive discounts for installing FBC- or Miami-Dade-approved shutters on all openings.
• Commercial properties may qualify for lower premiums if shutters help the building meet enhanced windstorm protection requirements.

A wind mitigation inspection is required to verify eligibility for insurance discounts.

Find the Right Hurricane Shutters for Your Home or Business

Whether you need residential or commercial hurricane shutters, Storm Smart offers impact-rated solutions that meet the latest building codes and insurance standards. Scroll down to find the nearest showroom and call to schedule an appointment. Our experts can help you choose the best shutters to protect your home or business from hurricanes.