How hurricane shutters help you get home insurance discount

As we have seen here, Hurricane Shutters can be vital for your home’s safety in case of a weather disaster. Solely that would already be a great reason for you to install it in your doors and windows, however, there are still a couple of more justifications for it, perhaps one in particular: saving money.

The Hurricane Shutter and your home insurance

Annually, it costs $952 on average to have a home insurance in the United States, however, we, who live in Florida, pay the most expensive average of all in the country, which is of $1991. Therefore, looking for discounts and ways to decrease that value is rather common indeed. Habits such as staying with the same insurance company for long periods of time, or steadily searching in the market for the one that has the best cost-effectiveness correlation for you, are absolutely valid measures, but, in our State, one way to surely achieve a discount is through Hurricane Shutters.
Since 1993 the Florida State regulation, through the law F.S. 627.0629, has prompted insurance companies to offer discounts on homes which have Hurricane Shutters installed, as long as the proper inspections regarding the material used (in which place the certification is verified) and the installation itself (if it was carried out following your city’s norms).

How much can the discount be?

The discount rate may vary from one insurance company to another. At the beginning we can talk about discounts that surpass the 30% mark, but such percentage is not set, taking into consideration that there is not regulation about the value, as each company follows their own agreement clauses regarding market value and price policy. It is up to you, who are the best manager of your money, to call to your company and talk to your agent. Or, if you are looking for one, carry out a proper analysis concerning the items that come along with the offered services, and start to consider the discounts that insurance companies may offer you, by doing so you will find the one that better meets your needs.

What can one do to get the discount?

The first thing, and the most blatant one, is to hire a company that is knowledgeable in the installation of Hurricane Shutters, or, if you deem yourself as qualified, carry out the installation alone. Here you have a short guide on the main types which might be useful to you.

The second part is the inspection. Regarding this, an agent will inspect every window and door, and will analyze if they are up to the normal standard. Furthermore, he will demand a certificate of approval of your Hurricane Shutters system. That usually comes with the product, however, if you do it through a knowledgeable company, they will provide you all the necessary documents.

Lastly, you will be provided with an inspection form, which you should send to your insurance company or to your agent in order to see the discount applied.

Home insurances represent something that is almost mandatory in our budget, and we live in the State in which they are the country’s most expensive. Thus, we can regard every search for a discount as being actually an investment. Think about that.

Hurricane Shutters Guide

Our first article serves as a general guide on Hurricane Shutters. We are going to address their types and the materials they are made of, besides showing how useful they can be to protect your home.

Look also: How hurricane shutters help you get home insurance discount

Accordion Shutters

Accordion Shutters

Accordion Shutters

The Accordion Shutters come from a locking system with metal bars in the shape of an accordion (as the name itself blatantly indicates), generally with a lock placed in the middle. This type is convenient due to its practicality and safeness. It comes preinstalled already, it fits almost every type of doors and windows, and it is as simple to open as it is to close it.

It is made of aluminum almost every time, due to the fact that it is a light and resistant material. But beware, try to always know the material’s origin, as we always recommend the one that is made in the United States, considering that the quality control is heftier in here, therefore granting a better quality overall.

Storm Panels

Storm Panels

Storm Panels

                                                                                                                       The Storm Panel is a more simple and economic type than the accordion, however, it doesn’t fall short when it comes to security. Generally it is made of aluminum or steel. The aluminum one is lighter and more resistant to corrosion. The steel one, in the other hand, is the most economic option. They are usually fixed with butterfly screws, and some effort is required for the installation process, but their placement is still easy and straightforward nonetheless.

 

 

 

Roll Up Shutters

Roll Up Shutters

Roll Up Shutters

                                                                                                                       This one is the type that will probably grant higher levels of practicality. It can be manual or electric, while, in the latter, a click on a control button is all that it takes to open and close it. Besides this, it can have several uses, such as sun blocking, because it can stay open, or in matters related to safety, taking into consideration that in can be easily opened and closed whenever you left and get back to your house, and its maintenance is really smooth as well.

 

 

Impact Windows and Doors

Impact Windows

Impact Windows

                                                                                                                       This type often adapts itself more easily to the architectural style of homes in general, given the fact that is comprised of normal windows and doors, however, made from a thicker glass, and the choice of two materials to create its framework: aluminum or vinyl. The former is more resistant than the latter, but it is less resistant to corrosion nevertheless. The vinyl for instance is more economic. In case you consider this to be the best option for your house, keep in mind that it is very important to verify the materials’ origin and their proper test certificates.

 

 

What is the importance of Hurricane Shutter to your home?

The Hurricane Shutter has two main functions: the first is to protect against flying objects, which are rather common during the hurricanes’ strong winds, and the second is to protect against the negative pressure caused by the wind’s speed. I am going to further explain this.

Regarding the first, the most crucial part is the quality of the material used to protect the house parts which commonly are the most sensible: the windows and the doors. Thus, it is vital to assess if the company that is providing the service is properly registered in your state, and if it has other certificate types.

About the pressure, if there is any path through which the wind can run through your house during a hurricane, such a broken window, the pressure arising from high wind speeds goes straight to the ceiling, which can cause its total destruction, leaving your house totally exposed in the process.

In the case of any doubt, get in touch with us. And to know what the cost of each type would be in your house, do a online quote by clicking below.