{"id":17965,"date":"2025-04-26T19:11:00","date_gmt":"2025-04-26T23:11:00","guid":{"rendered":"https:\/\/www.stormsmart.com\/?page_id=17965"},"modified":"2025-05-02T12:42:54","modified_gmt":"2025-05-02T16:42:54","slug":"which-hurricane-shutter-certifications-are-recognized-by-insurance-companies","status":"publish","type":"page","link":"https:\/\/www.stormsmart.com\/faqs\/hurricane-shutters\/which-hurricane-shutter-certifications-are-recognized-by-insurance-companies\/","title":{"rendered":"Which Hurricane Shutter Certifications Are Recognized by Insurance Companies?"},"content":{"rendered":"\t\t
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Which Hurricane Shutter Certifications Are Recognized by Insurance Companies?<\/h1>\n

\"WhichInsurance companies typically recognize hurricane shutters that meet Florida Building Code (FBC)<\/strong>, Miami-Dade County<\/strong>, and Texas Department of Insurance (TDI)<\/strong> certification standards. These certifications ensure that shutters provide effective protection against high winds, flying debris, and storm pressure changes, which can qualify homeowners for insurance discounts.<\/p>\n

Below, you will find answers to additional frequently asked questions related to aluminum hurricane shutter<\/a> certifications and insurance recognition.<\/p>\n

What Are the Most Recognized Hurricane Shutter Certifications?<\/h2>\n

Insurance companies look for shutters that meet one or more of the following certifications:<\/p>\n

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  • Florida Building Code (FBC) Approved:\n
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    • Requires shutters to pass rigorous wind and impact resistance tests.<\/li>\n
    • Ensures compliance with state regulations for hurricane protection.<\/li>\n<\/ul>\n<\/li>\n
    • Miami-Dade County & Broward County Approved:\n
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      • Recognized as one of the most stringent hurricane protection standards.<\/li>\n
      • Shutters must withstand high-pressure winds and impact from flying debris.<\/li>\n
      • Often required for homes in South Florida’s High-Velocity Hurricane Zone (HVHZ).<\/li>\n<\/ul>\n<\/li>\n
      • Texas Department of Insurance (TDI) Approved:\n
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        • Ensures shutters meet storm protection requirements for Gulf Coast homes.<\/li>\n
        • Tested for resistance to hurricane-force winds and extreme weather conditions.<\/li>\n<\/ul>\n<\/li>\n
        • International Code Council (ICC) Certification:\n
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          • Recognized in states outside of Florida and Texas that experience hurricanes.<\/li>\n
          • Verifies structural integrity and wind resistance.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

            Shutters with these certifications are more likely to qualify for insurance discounts and meet local building code requirements.<\/p>\n

            How Do I Check If My Hurricane Shutters Are Certified?<\/h2>\n

            To verify that your hurricane shutters meet insurance requirements:<\/p>\n

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            1. Look for Manufacturer Labels \u2013 Certified shutters often display an approval label or code.<\/li>\n
            2. Check Florida Product Approval or Miami-Dade NOA Listings \u2013 Search the Florida Building Code database or Miami-Dade NOA database to confirm certification.<\/li>\n
            3. Ask Your Installer for Documentation \u2013 Professional installers should provide paperwork verifying compliance with local codes.<\/li>\n
            4. Consult Your Insurance Provider \u2013 Confirm which certifications they recognize for premium discounts.<\/li>\n<\/ol>\n

              Ensuring proper certification helps maximize insurance savings while keeping your home storm-ready.<\/p>\n

              Do Certified Hurricane Shutters Lower Insurance Premiums?<\/h2>\n

              Yes, many insurance companies offer wind mitigation discounts for certified hurricane shutters. Savings depend on:<\/p>\n

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              • The type of certification (Miami-Dade and FBC-approved shutters typically qualify for the highest discounts).<\/li>\n
              • Your home\u2019s location (coastal areas often receive larger discounts).<\/li>\n
              • Proper installation (insurance companies may require a wind mitigation inspection).<\/li>\n<\/ul>\n

                Installing certified shutters can reduce insurance costs by 5% to 20%, depending on the provider and state regulations.<\/p>\n

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

                Choosing hurricane shutters with recognized certifications ensures maximum protection and potential insurance savings. Scroll down to find the Storm Smart showroom nearest you and call to schedule an appointment.<\/strong> Our experts can help you select certified shutters that meet insurance requirements and local building codes.<\/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