If you live in Southwest Florida, you are no stranger to preparing your home for a hurricane. Now that we have gotten through the 2020 hurricane season (which ended n November 30), it may be a good time to consider your hurricane protection for next year. In fact, winter is a great time for these types of purchases, as weather is dry and many homeowners don’t think about it until the spring. Installing hurricane shutters can significantly impact your homeowners insurance in a positive way, similar to any home upgrade which protects the residence.
There are many types of hurricane shutters that you can choose from, and your choice may depend on aesthetics, cost, or even HOA requirements. After installation, you can have a wind mitigation inspection in order to submit to your insurance company for any available discounts or credits. Here is a rundown of your choices and options.
Panels: Storm panels are made of steel, aluminum, or polycarbonate , and are secured to the exterior walls to protect a home’s windows and doors. Panels are typically cost effect, provide excellent protection, and can be removed between storms. However, they do take up storage space and require significant installation. Panels either:
– slide into tracks along a window or door frame, secured by bolts
– use C-shaped tracks both above and below the window
– affixes panels over doors and windows with bolts.
Rolling Shutters: As their name would suggest, rolling shutters roll up and down over the doors and windows. They are smart option for those who do not want to install shutter panels every time a storm comes through. The shutters simply roll up in good weather, and roll down in bad weather. They also provide security and insulation during the storm. Rolling shutters typically require professional installation initially. and can be costly.
Accordion Shutters: These shutters expand like an accordion to cover any windows, doors and sliding glass doors. They are permanently affixed and roll on wheels along base panels , then lock shut. These shutters can be quickly deployed in the event of a storm, typically securing the home in approximately 30 minutes. While they may be pricey, they are also effective for security and theft protection.
Plantation and Bahama Shutters: Bahama shutters, also called Bermuda shutters, and plantation shutters function as regular shutters unless needed for protection. On a daily basis, they may offer shade and extra privacy. As needed for a storm, homeowners can easily lower the shutters (or close the shutters) over the windows to completely secure the opening. They then lock in place and provide protection throughout the storm.
Hurricane Fabric: Hurricane fabric is a screen that protects openings against extreme wind and severe weather. This fabric is a good option for larger areas of vulnerability like patios and garage doors. In order for this option to qualify for wind mitigation credits, the fabric will have to meet specific standards available from your insurance broker.
Anderson & Associate Insurance Group are here to help you to find the best home insurance policy for your situation. If you live in Sarasota or Manatee county and need more information on how to best protect your home – and benefit financially from it with the right homeowner’s coverage – call us today.
