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Hurricane Shutters questions, answered by experts

In many cases, hurricane shutters lower the cost of homeowners insurance. If your storm panels are code-compliant with your state or county (or insurance policy), they may lower your annual premium, even in storm-prone areas. Check with your homeowners insurance company to understand the compliance requirements. Even if your insurer doesn’t lower your premiums, hurricane shutters could save you from costly repairs after a storm. 

Hurricane shutters can add value to your home by protecting windows from flying debris during a storm and possibly reducing your home insurance premiums, likely appealing to potential home buyers. The material also plays a role in the value of the hurricane shutters. For example, plywood hurricane shutters are a more temporary solution that likely will not impact home insurance costs even if it can save your windows and doors from damage. 

Metal is one of the best types of hurricane shutters because they are the most durable and longest lasting option. This shutter type will likely cost more than other materials like plywood, but metal hurricane shutters are a permanent solution compared to the temporary nature of putting plywood over your windows during a hurricane. You should also consider hurricane panels and automatic roll-down shutters that are useful for emergency situations.

If a window breaks during a hurricane, the first thing to do is get away from it, shut the door to the room, and move to a different part of your home. Ideally, you should wait out the storm in a room that doesn’t have any windows. Afterward, safely throw out the broken glass while wearing gloves and call a window replacement professional to discuss your options.

In areas prone to hurricanes, not having hurricane shutters can make your home more of a risk to insure, leading to higher premiums. But by installing them, you can save about 8% to 10% on your insurance premium. Having hurricane shutters not only saves you on insurance but can also save you from costly window repairs after a storm. 

The Loleta, CA homeowners’ guide to hurricane shutter services

From average costs to expert advice, get all the answers you need to get your job done.