insurance

11 ways to avoid hurricane damage

Hurricane glass

Want to skip the hassle and closed-in feeling of shutters altogether? Consider installing hurricane-impact windows. The glass is usually 3/8-inch thick and features a film coating similar to the safety glass used in vehicle windshields. If the windows crack or are smashed, the glass will stay embedded in the frame.

  • Cost: Hurricane glass windows are not cheap, costing up to $50 per square foot.
  • Effect on insurance: Possible discount depending on state and carrier.
  • Pros: With hurricane glass, there is nothing to install or remove when a hurricane comes; it's always in place and is completely transparent. No shutters are needed. Hurricane windows also help block outside noise, protect against break-ins and filter out harmful UV rays.
  • Cons: The windows must be installed by a contractor, and the labor costs can be steep.

Accordion shutters

Housed on the sides of doors or windows when not in use, these retractable aluminum shutters unfold like an accordion to protect your home's openings during a storm. The shutters can provide protection against not only wind but also forced entry. They are usually available in a variety of colors.

  • Cost: $15 to $25 per square foot.
  • Effect on insurance: Possible discount depending on state and carrier.
  • Pros: Accordion shutters are easily and quickly deployed in the event of a storm. They are permanently fixed to the house and do not require storage.
  • Cons: They may appear unattractive on some houses. The mechanisms that open and close the shutters may be weaker or break more often than with other products.

Bahama shutters

Bahama shutters are hinged at the top of the window and angle outward from the wall with the help of telescoping arms. The support arms typically are adjustable from 60- to 90-degree angles. The shutters protect against wind while providing light, ventilation and privacy control in everyday use. They often are used in sunny and coastal environments and can give a home a distinct, tropical appearance.

  • Cost: $15 to $20 per square foot.
  • Effect on insurance: Possible discount depending on state and carrier.
  • Pros: Bahama shutters permanently attach to the home and can be quickly deployed. Made of aluminum, vinyl or wood, they can easily be painted to complement or match the home.
  • Cons: Almost permanently block full vision from windows and can make a home much darker. The amount of hurricane protection they offer can vary by style and manufacturer.

Colonial shutters

As a traditional style of window protection, colonial shutters attach to the window's side walls and fold inward to close. Permanently fixed to the window frame and held open by a clip system, they can quickly and easily be closed and secured with a brace bar when a storm approaches.

  • Cost: Moderately priced when compared with other window protection products, colonial shutters run roughly $18 to $30 per square foot.
  • Effect on insurance: Possible discount depending on state and carrier.
  • Pros: The shutters can easily be closed by one person. They can add decorative curb appeal to a home.
  • Cons: They must be permanently installed on the house, a process that can be expensive and time-consuming. Professional installation may be required.
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