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Hurricane Shutters questions, answered by experts

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. 

Clean regularly, check for rust, and lubricate moving parts to ensure smooth operation.

The biggest disadvantage to hurricane shutters is the cost. Hurricane shutters aren’t the most budget-friendly home improvement project. If you choose a shutter style that you have to go outside to operate, it could pose a challenge if you have issues with mobility. Additionally, they require a fair bit of maintenance and upkeep to stay in the best possible condition to protect your home.

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. 

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 Odessa, NY homeowners’ guide to hurricane shutter services

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