Would I get a larger discount from Impact windows for protection than I would for Hurricane Shutters? The answer to this question may surprise you.
When it comes to homeowner's insurance, the discount is pretty much the same for Storm Panels, Accordion Shutters, Roll Up Shutters or Impact Windows, even though installing impact windows generally costs a lot more than hurricane shutters. The insurance company simply wants to see protection that is approved by Florida Building Code or Miami-Dade Building Requirements.
How much you can save on the insurance depends on your insurance provider, but it is possible to save quite a bit: hundreds of dollars per month, adding up to thousands each year in savings.
It could cost an average of $2,000 to $5,000** for hurricane shutters for a small to average size home, while impact glass could cost an average of over $4,000**. But remember that Hurricane Shutters and Impact Windows are limited expenses.
The shutters and windows can provide years and years of good service and protection, if they are maintained or serviced periodically. Shutters can also be repaired for the most part if they are damaged somehow, while impact glass can be more costly to handle because those would need to be replaced if damaged.
Keep in mind that these wind protection installations could result in savings of
10 - 15% credit on your Homeowner's Insurance Policy.
The point here is that Hurricane Protection Shutters and Impact Glass can help you to get a credit or discount on your Homeowner's Insurance year after year and that is a much welcomed credit. Here's to saving that 10 - 15% each year.
** These are average figures provided as an example which may not be applicable in every situation. Each individual project and case is subject to verification of measurements, installation conditions and manufacturing requirements in order to determine fair value.