How Do I Prove My Hurricane Shutters Meet Code for Insurance Purposes?

To prove that your hurricane shutters meet code for insurance purposes, you need to provide certification documents, proof of installation, and a wind mitigation inspection report. Many insurance companies require shutters to be tested and approved under state or local building codes, such as the Florida Building Code (FBC) or Miami-Dade County standards, to qualify for discounts.

Below, you will find answers to additional frequently asked questions related to proving compliance for hurricane shutters.

What Documentation Do I Need to Prove My Hurricane Shutters Meet Code?

To verify that your hurricane shutters comply with building codes, you may need to submit the following:

• Manufacturer’s Certification – Shutters should have an NOA (Notice of Acceptance) or an FBC product approval number confirming they meet wind and impact resistance requirements.
• Installation Invoice – A receipt or contractor invoice showing that the shutters were installed by a licensed professional.
• Wind Mitigation Inspection Report – A certified inspector can verify that the shutters were properly installed and meet insurance standards.
• Product Labels or Markings – Some hurricane shutters have a sticker or engraving indicating they are certified for storm protection.

Submitting this information to your insurer may qualify you for a wind mitigation discount.

Which Building Codes Are Recognized by Insurance Companies?

Most insurance providers recognize hurricane shutters that meet the following standards:

• Florida Building Code (FBC) Approved – Requires shutters to pass wind and impact tests.
• Miami-Dade County NOA (Notice of Acceptance) – One of the strictest certifications, often required in High-Velocity Hurricane Zones (HVHZ).
• Texas Department of Insurance (TDI) Approved – Ensures compliance with storm protection regulations in coastal Texas.
• ASTM E1996 / E1886 – A national standard for impact-resistant products.

If your shutters meet these certifications, they are more likely to be accepted by insurers.

How Do I Schedule a Wind Mitigation Inspection?

To confirm compliance and secure potential insurance discounts, follow these steps:

1. Hire a Certified Inspector – Look for a state-licensed home inspector, contractor, or engineer.
2. Prepare Your Documentation – Have manufacturer certifications and installation records ready for review.
3. Complete the Inspection – The inspector will check your shutters’ compliance with code requirements.
4. Submit the Report to Your Insurer – Once verified, your insurance company will determine if you qualify for discounts.

A wind mitigation inspection typically costs between $75 and $150 but can result in significant savings on your homeowners insurance.

Find the Right Hurricane Shutters for Your Home

Ensuring your hurricane shutters meet code can help protect your home and reduce insurance costs. Scroll down to find the Storm Smart showroom nearest you and call to schedule an appointment. Our experts can provide certified shutters and assist with the documentation needed for insurance verification.