{"id":17962,"date":"2025-04-26T19:18:20","date_gmt":"2025-04-26T23:18:20","guid":{"rendered":"https:\/\/www.stormsmart.com\/?page_id=17962"},"modified":"2025-05-02T12:45:27","modified_gmt":"2025-05-02T16:45:27","slug":"does-installing-new-hurricane-shutters-affect-my-existing-policy-mid-term","status":"publish","type":"page","link":"https:\/\/www.stormsmart.com\/faqs\/hurricane-shutters\/does-installing-new-hurricane-shutters-affect-my-existing-policy-mid-term\/","title":{"rendered":"Does Installing New Hurricane Shutters Affect My Existing Policy Mid-Term?"},"content":{"rendered":"\t\t
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Does Installing New Hurricane Shutters Affect My Existing Policy Mid-Term?<\/h1>\n

\"DoesYes, installing new hurricane shutters can affect your existing homeowners insurance policy mid-term by potentially qualifying you for wind mitigation discounts<\/strong> or requiring an updated inspection. Many insurance providers allow policyholders to adjust their coverage and premiums after adding storm protection upgrades.<\/p>\n

Below, you will find answers to additional frequently asked questions related to how new aluminum hurricane shutters<\/a> impact homeowners insurance.<\/p>\n

Can I Receive an Insurance Discount After Installing Hurricane Shutters?<\/h2>\n

Yes, many insurance companies offer wind mitigation discounts for homes equipped with certified hurricane shutters. To qualify, homeowners typically need to:<\/p>\n

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  • Submit proof of installation from a licensed contractor.<\/li>\n
  • Schedule a wind mitigation inspection to verify that the shutters meet insurance-approved standards.<\/li>\n
  • Provide documentation of compliance with Florida Building Code (FBC) or Miami-Dade County regulations.<\/li>\n<\/ul>\n

    These steps can help reduce your premiums by 5% to 30%, depending on your insurer and location.<\/p>\n

    Will My Insurance Policy Automatically Update When I Install Hurricane Shutters?<\/h2>\n

    No, policy updates are not automatic. You must notify your insurance company after installing new shutters and provide the necessary documentation. The insurer may:<\/p>\n

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    • Adjust your premium mid-term to reflect improved storm protection.<\/li>\n
    • Schedule an inspection to verify compliance before applying discounts.<\/li>\n
    • Require you to wait until policy renewal before making rate adjustments.<\/li>\n<\/ul>\n

      Contacting your provider ensures you receive any eligible benefits without delays.<\/p>\n

      Do All Types of Hurricane Shutters Qualify for Insurance Discounts?<\/h2>\n

      Not all hurricane shutters automatically qualify for insurance savings. To be eligible, shutters must typically:<\/p>\n

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      • Be permanently installed (temporary panels may not qualify).<\/li>\n
      • Be impact-rated and certified to meet wind and debris resistance standards.<\/li>\n
      • Cover all openings (including windows, doors, and skylights) to maximize protection.<\/li>\n<\/ul>\n

        Miami-Dade and FBC-approved shutters offer the highest likelihood of securing insurance savings.<\/p>\n

        Find the Right Hurricane Shutters for Your Home<\/h2>\n

        Upgrading to hurricane shutters can enhance home protection and lower insurance costs. Scroll down to find the Storm Smart showroom nearest you and call to schedule an appointment.<\/strong> Our experts can help you choose certified shutters and provide documentation to assist with insurance adjustments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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        Storm Smart Showrooms<\/h2>\r\n\r\n