Does Installing New Hurricane Shutters Affect My Existing Policy Mid-Term?

Yes, installing new hurricane shutters can affect your existing homeowners insurance policy mid-term by potentially qualifying you for wind mitigation discounts or requiring an updated inspection. Many insurance providers allow policyholders to adjust their coverage and premiums after adding storm protection upgrades.

Below, you will find answers to additional frequently asked questions related to how new hurricane shutters impact homeowners insurance.

Can I Receive an Insurance Discount After Installing Hurricane Shutters?

Yes, many insurance companies offer wind mitigation discounts for homes equipped with certified hurricane shutters. To qualify, homeowners typically need to:

• Submit proof of installation from a licensed contractor.
• Schedule a wind mitigation inspection to verify that the shutters meet insurance-approved standards.
• Provide documentation of compliance with Florida Building Code (FBC) or Miami-Dade County regulations.

These steps can help reduce your premiums by 5% to 30%, depending on your insurer and location.

Will My Insurance Policy Automatically Update When I Install Hurricane Shutters?

No, policy updates are not automatic. You must notify your insurance company after installing new shutters and provide the necessary documentation. The insurer may:

• Adjust your premium mid-term to reflect improved storm protection.
• Schedule an inspection to verify compliance before applying discounts.
• Require you to wait until policy renewal before making rate adjustments.

Contacting your provider ensures you receive any eligible benefits without delays.

Do All Types of Hurricane Shutters Qualify for Insurance Discounts?

Not all hurricane shutters automatically qualify for insurance savings. To be eligible, shutters must typically:

• Be permanently installed (temporary panels may not qualify).
• Be impact-rated and certified to meet wind and debris resistance standards.
• Cover all openings (including windows, doors, and skylights) to maximize protection.

Miami-Dade and FBC-approved shutters offer the highest likelihood of securing insurance savings.

Find the Right Hurricane Shutters for Your Home

Upgrading to hurricane shutters can enhance home protection and lower insurance costs. Scroll down to find the Storm Smart showroom nearest you and call to schedule an appointment. Our experts can help you choose certified shutters and provide documentation to assist with insurance adjustments.