Hurricane Exterior Shutters: Protecting Your Home from the Storm

Hurricanes are a force of nature that can cause devastating damage to homes and properties. Protecting your home from these powerful storms is paramount, and one of the most effective ways to do so is by installing hurricane exterior shutters. These shutters are designed to withstand high winds, flying debris, and torrential rain, providing a crucial barrier of defense for your windows and doors.

Understanding the Importance of Hurricane Shutters

The primary purpose of hurricane shutters is to protect your home’s vulnerable openings – windows and doors – from the destructive forces of a hurricane. Without adequate protection, these openings can become points of entry for wind and water, leading to significant structural damage, water damage, and potential loss of life. Here’s a closer look at why hurricane shutters are so vital:

Preventing Wind Damage

High winds are a hallmark of hurricanes, and they can exert immense pressure on your home. If wind enters through a broken window or door, it can create internal pressure that can lift the roof off your home or cause walls to collapse. Hurricane shutters act as a shield, preventing wind from entering your home and minimizing the risk of structural damage.

Protecting Against Flying Debris

Hurricanes often generate a barrage of flying debris, including tree branches, signs, and other objects that can become dangerous projectiles. These projectiles can shatter windows and doors, causing significant damage and potentially injuring anyone inside the home. Hurricane shutters provide a robust barrier that can withstand the impact of flying debris, safeguarding your home and its occupants.

Minimizing Water Damage

Torrential rain is another common feature of hurricanes. If windows or doors are breached, rainwater can flood your home, causing extensive water damage to walls, floors, furniture, and other belongings. Mold growth can also occur, leading to health problems and further damage. Hurricane shutters help to keep water out, minimizing the risk of water damage and mold growth.

Insurance Benefits

Many insurance companies offer discounts to homeowners who install hurricane shutters, recognizing their effectiveness in reducing storm damage. By investing in hurricane shutters, you can not only protect your home but also potentially lower your insurance premiums.

Types of Hurricane Exterior Shutters

There are several different types of hurricane exterior shutters available, each with its own advantages and disadvantages. The best type of shutter for your home will depend on your budget, aesthetic preferences, and the level of protection you require. Here’s an overview of some of the most common types:

Accordion Shutters

Accordion shutters are permanently mounted on the sides of your windows and doors and can be easily deployed by sliding them closed and locking them in place. They are made of durable aluminum or polycarbonate and offer excellent protection against wind and debris. Accordion shutters are relatively easy to operate and provide a clean, streamlined look when not in use.

Advantages of Accordion Shutters:

• Easy to operate
• Permanent installation
• Relatively affordable
• Good protection against wind and debris

Disadvantages of Accordion Shutters:

• Can be visible when not in use
• May require professional installation

Roll-Down Shutters

Roll-down shutters are also permanently mounted above your windows and doors and can be lowered and raised with a manual crank or an electric motor. They are typically made of aluminum and offer excellent protection against wind, debris, and even sunlight. Roll-down shutters provide a clean, minimalist look when not in use, as they are concealed in a housing above the window or door.

Advantages of Roll-Down Shutters:

• Easy to operate (especially with electric motor)
• Permanent installation
• Excellent protection against wind, debris, and sunlight
• Clean, minimalist look when not in use

Disadvantages of Roll-Down Shutters:

• More expensive than accordion shutters
• Require professional installation

Bahama Shutters

Bahama shutters are hinged at the top and angled outwards, providing shade and ventilation while also offering hurricane protection. They are typically made of aluminum and can be closed and locked in place during a storm. Bahama shutters offer a distinctive aesthetic appeal and are a popular choice for coastal homes.

Advantages of Bahama Shutters:

• Provide shade and ventilation
• Offer a distinctive aesthetic appeal
• Relatively easy to operate

Disadvantages of Bahama Shutters:

• May not offer as much protection as accordion or roll-down shutters
• Can be more expensive than other types of shutters

Colonial Shutters

Colonial shutters are hinged on the sides and can be closed and latched during a storm. They are typically made of wood or aluminum and offer a traditional aesthetic appeal. Colonial shutters are a good option for homeowners who want to maintain the architectural style of their home while also providing hurricane protection.

Advantages of Colonial Shutters:

• Offer a traditional aesthetic appeal
• Relatively affordable

Disadvantages of Colonial Shutters:

• May not offer as much protection as accordion or roll-down shutters
• Can be more time-consuming to deploy

Hurricane Fabric

Hurricane fabric is a flexible, lightweight material that can be attached to your windows and doors using grommets and fasteners. It is typically made of a woven synthetic fabric that is incredibly strong and resistant to tearing. Hurricane fabric is a relatively affordable and easy-to-install option for hurricane protection.

Advantages of Hurricane Fabric:

• Relatively affordable
• Easy to install and remove
• Lightweight and easy to store

Disadvantages of Hurricane Fabric:

• Requires pre-installation of anchors
• May not offer as much protection as more rigid shutters

Removable Storm Panels

Removable storm panels are typically made of steel, aluminum, or clear polycarbonate. They are attached to your windows and doors using bolts or tracks that are pre-installed around the openings. Storm panels offer excellent protection against wind and debris, but they can be cumbersome to install and remove.

Advantages of Removable Storm Panels:

• Excellent protection against wind and debris
• Relatively affordable

Disadvantages of Removable Storm Panels:

• Can be cumbersome to install and remove
• Require storage space when not in use
• Can be aesthetically unappealing

Choosing the Right Hurricane Shutters for Your Home

Selecting the appropriate hurricane shutters for your home involves considering several factors to ensure optimal protection and suitability for your specific needs and preferences. Here’s a detailed guide to help you make an informed decision:

Assess Your Needs

Begin by evaluating your specific needs and priorities. Consider the following factors:

• Level of Protection: How much protection do you need based on your location and the potential severity of hurricanes in your area? Areas prone to frequent and intense hurricanes may require more robust shutter options like roll-down or removable storm panels.
• Budget: What is your budget for hurricane shutters? Different types of shutters vary significantly in price, so it’s essential to set a budget and explore options within that range.
• Aesthetic Preferences: How important is the appearance of your shutters? Some shutters, like Bahama and Colonial shutters, offer a more traditional or decorative look, while others, like roll-down shutters, are more discreet.
• Ease of Use: How easy are the shutters to operate? Consider your physical abilities and the amount of time you’re willing to spend deploying and removing the shutters. Accordion and roll-down shutters are generally easier to operate than removable storm panels.
• Installation Requirements: Are you comfortable with DIY installation, or do you prefer professional installation? Some shutters, like hurricane fabric, are relatively easy to install yourself, while others, like roll-down shutters, require professional installation.
• Building Codes and HOA Restrictions: Check with your local building codes and homeowners association (HOA) to ensure that the shutters you choose comply with all regulations and restrictions. Some HOAs may have specific requirements regarding the appearance and installation of hurricane shutters.

Consider the Material

The material of your hurricane shutters plays a crucial role in their durability, strength, and appearance. Here are some common materials and their characteristics:

• Aluminum: Aluminum is a popular choice for hurricane shutters due to its strength, durability, and resistance to corrosion. Aluminum shutters are typically used for accordion, roll-down, Bahama, and Colonial shutters.
• Steel: Steel is a very strong and durable material, making it suitable for storm panels. However, steel is susceptible to rust, so it’s essential to choose steel panels with a protective coating.
• Polycarbonate: Polycarbonate is a clear, impact-resistant plastic that is often used for storm panels and accordion shutters. Polycarbonate panels allow light to enter your home while still providing protection from wind and debris.
• Wood: Wood is a traditional material for Colonial shutters, offering a classic aesthetic appeal. However, wood shutters require regular maintenance to prevent rot and decay.
• Fabric: Hurricane fabric is a woven synthetic material that is incredibly strong and resistant to tearing. Hurricane fabric is a lightweight and flexible option for protecting windows and doors.

Research Different Brands and Models

Once you have a good understanding of your needs and the different types of hurricane shutters available, it’s time to research different brands and models. Read online reviews, compare prices, and talk to friends and neighbors who have hurricane shutters to get their recommendations. Look for shutters that are tested and certified to meet or exceed local building codes.

Get Quotes from Multiple Installers

If you plan to have your hurricane shutters professionally installed, be sure to get quotes from multiple installers. Compare prices, experience, and warranties before making a decision. Choose an installer who is licensed, insured, and has a good reputation.

Verify Certifications and Compliance

Ensure that the hurricane shutters you select meet or exceed the building codes and safety standards in your area. Look for products that have been tested and certified by recognized organizations such as the Miami-Dade County Notice of Acceptance (NOA) or the Florida Building Code (FBC). These certifications ensure that the shutters have been rigorously tested and proven to withstand the forces of a hurricane.

Hurricane Shutter Installation: DIY vs. Professional

The installation of hurricane shutters can significantly affect their performance and longevity. Deciding whether to undertake a DIY installation or hire professionals depends on various factors, including your skills, time availability, and the type of shutters you choose.

DIY Installation

DIY installation can be a cost-effective option, especially for simpler shutter types like hurricane fabric or removable storm panels. However, it requires a good understanding of tools, construction techniques, and the specific installation requirements of the shutters. Here’s a breakdown of what to consider:

Advantages of DIY Installation:

• Cost Savings: You save on labor costs, which can be a significant portion of the total installation expense.
• Flexibility: You have control over the schedule and can work at your own pace.
• Personal Satisfaction: Completing the project yourself can provide a sense of accomplishment.

Disadvantages of DIY Installation:

• Time Commitment: Installation can be time-consuming, especially if you’re unfamiliar with the process.
• Skill Requirements: Proper installation requires knowledge of tools, measurements, and construction techniques.
• Risk of Errors: Mistakes during installation can compromise the shutters’ performance and protection.
• Warranty Issues: Some manufacturers may void the warranty if the shutters are not professionally installed.

Steps to Consider for DIY Installation:

• Read the Instructions: Carefully review the manufacturer’s instructions and follow them precisely.
• Gather the Tools: Ensure you have all the necessary tools, including a drill, level, measuring tape, and appropriate fasteners.
• Proper Anchoring: Use the correct type and size of anchors to securely attach the shutters to your home’s structure.
• Sealant Application: Apply sealant around the edges of the shutters to prevent water intrusion.
• Inspection: After installation, thoroughly inspect the shutters to ensure they are properly installed and functioning correctly.

Professional Installation

Professional installation is generally recommended for more complex shutter types like accordion, roll-down, and Bahama shutters. Professional installers have the experience, tools, and knowledge to ensure that the shutters are installed correctly and safely. Here’s what to consider:

Advantages of Professional Installation:

• Expertise: Professional installers have the knowledge and experience to install the shutters correctly.
• Proper Equipment: They have the necessary tools and equipment to ensure a secure and efficient installation.
• Warranty Protection: Professional installation often ensures that the manufacturer’s warranty remains valid.
• Peace of Mind: You can rest assured that the shutters are installed correctly and will provide the intended level of protection.

Disadvantages of Professional Installation:

• Cost: Professional installation can be more expensive than DIY installation.
• Scheduling: You need to coordinate with the installer’s schedule, which may not always be convenient.

Choosing a Professional Installer:

• Licensing and Insurance: Verify that the installer is licensed and insured in your area.
• Experience: Choose an installer with experience installing the specific type of shutters you’ve selected.
• References: Ask for references and check online reviews to gauge the installer’s reputation.
• Warranty: Inquire about the installer’s warranty on their work.
• Written Contract: Get a written contract that outlines the scope of work, materials, and payment terms.

Maintaining Your Hurricane Shutters

Proper maintenance of your hurricane shutters is crucial to ensure they function effectively when needed and last for many years. Regular inspections, cleaning, and lubrication can prevent problems and extend the life of your shutters.

Regular Inspections

Inspect your hurricane shutters at least twice a year, preferably before and after hurricane season. Look for signs of damage, corrosion, or wear and tear. Check the following:

• Cracks or Dents: Examine the shutters for any cracks or dents that could compromise their strength.
• Corrosion: Check for signs of rust or corrosion, especially on metal shutters.
• Loose Fasteners: Ensure that all fasteners are tight and secure.
• Damaged Hardware: Inspect hinges, locks, and other hardware for damage.
• Smooth Operation: Test the operation of the shutters to ensure they open and close smoothly.

Cleaning

Clean your hurricane shutters regularly to remove dirt, dust, and debris. Use a mild detergent and water solution and a soft brush or cloth. Rinse thoroughly with clean water. Avoid using harsh chemicals or abrasive cleaners, as they can damage the shutters’ finish.

• Accordion Shutters: Clean the tracks and slats regularly to prevent debris buildup that can impede operation.
• Roll-Down Shutters: Clean the slats and housing to remove dirt and debris that can accumulate over time.
• Bahama and Colonial Shutters: Clean the louvers and hinges to maintain their appearance and functionality.
• Hurricane Fabric: Clean the fabric with a mild detergent and water solution. Rinse thoroughly and allow to air dry.
• Storm Panels: Clean the panels with a mild detergent and water solution. Rinse thoroughly and allow to dry before storing.

Lubrication

Lubricate moving parts, such as hinges, locks, and tracks, with a silicone-based lubricant. This will help to keep the shutters operating smoothly and prevent corrosion. Avoid using oil-based lubricants, as they can attract dirt and debris.

Storage

If you have removable storm panels or hurricane fabric, store them in a dry, secure location when not in use. Protect them from moisture, sunlight, and pests. Label the panels or fabric so you can easily identify which window or door they belong to.

Professional Maintenance

Consider hiring a professional hurricane shutter maintenance service to inspect and maintain your shutters on a regular basis. They can identify potential problems early on and perform necessary repairs or adjustments to ensure that your shutters are in optimal condition.

Hurricane Shutter Building Codes and Regulations

Hurricane shutter building codes and regulations are in place to ensure that homes and buildings are adequately protected from the destructive forces of hurricanes. These codes specify the minimum standards for shutter design, materials, and installation to withstand high winds and flying debris.

Local Building Codes

Building codes vary by location, so it’s essential to be aware of the specific requirements in your area. Contact your local building department to obtain information on hurricane shutter building codes and regulations. They can provide you with a list of approved shutter types and installation requirements.

Miami-Dade County Notice of Acceptance (NOA)

The Miami-Dade County Notice of Acceptance (NOA) is a widely recognized standard for hurricane shutters. Shutters that meet the NOA standard have been tested and certified to withstand the extreme wind pressures and impact forces associated with hurricanes. Look for shutters that have been approved by Miami-Dade County.

Florida Building Code (FBC)

The Florida Building Code (FBC) is another important standard for hurricane shutters. The FBC specifies the minimum requirements for shutter design, materials, and installation in the state of Florida. Shutters that comply with the FBC have been tested and certified to meet these requirements.

International Building Code (IBC)

The International Building Code (IBC) is a model code that is adopted by many states and jurisdictions in the United States. The IBC includes provisions for hurricane shutters, specifying the minimum requirements for their design and installation.

Impact Resistance

Hurricane shutters must be impact-resistant to protect against flying debris. The impact resistance requirement varies by location, but it is typically based on the wind speed and the distance from the coastline. Look for shutters that have been tested and certified to meet the impact resistance requirements in your area.

Wind Load Resistance

Hurricane shutters must also be able to withstand high wind loads. The wind load resistance requirement varies by location, depending on the wind speed and the height of the building. Look for shutters that have been tested and certified to meet the wind load resistance requirements in your area.

Emergency Preparedness: Using Your Hurricane Shutters

Having hurricane shutters installed is only part of the battle. Knowing how and when to use them is equally important for your safety and protection. Developing a hurricane preparedness plan and practicing its execution can make a significant difference.

Developing a Hurricane Preparedness Plan

A comprehensive hurricane preparedness plan should include the following:

• Evacuation Plan: Determine whether you will evacuate or shelter in place. If you evacuate, identify your evacuation route and destination.
• Emergency Supplies: Gather a supply of essential items, such as water, food, medications, first-aid supplies, and a battery-powered radio.
• Communication Plan: Establish a way to communicate with family members in case you are separated.
• Shutters Deployment: Practice deploying your hurricane shutters well in advance of a storm.

When to Deploy Your Hurricane Shutters

It’s crucial to deploy your hurricane shutters before the storm arrives. As a general rule, deploy your shutters when a hurricane watch is issued for your area. A hurricane watch means that hurricane conditions are possible within the next 48 hours.

• Monitor Weather Reports: Stay informed about the storm’s progress and potential impact on your area.
• Follow Official Instructions: Heed the advice and instructions of local authorities.
• Deploy Early: Don’t wait until the last minute to deploy your shutters. Doing so could put you at risk.

Deploying Your Hurricane Shutters Safely

When deploying your hurricane shutters, follow these safety tips:

• Work with a Partner: If possible, work with a partner to make the task easier and safer.
• Wear Protective Gear: Wear gloves and eye protection to protect yourself from injury.
• Use a Ladder Safely: If you need to use a ladder, make sure it is stable and properly positioned.
• Follow Instructions: Follow the manufacturer’s instructions for deploying your specific type of shutter.
• Secure Shutters Properly: Ensure that the shutters are securely fastened and locked in place.

Post-Hurricane Procedures

After the hurricane has passed, wait for official clearance before venturing outside. Once it is safe to do so, inspect your home for damage and document any damage for insurance purposes. Carefully remove your hurricane shutters and store them properly.

Conclusion: Investing in Peace of Mind

Investing in hurricane exterior shutters is a significant step towards protecting your home, family, and belongings from the destructive forces of hurricanes. By understanding the different types of shutters available, considering your specific needs, and following proper installation and maintenance procedures, you can ensure that your home is well-protected during a storm. While the initial investment may seem substantial, the long-term benefits of peace of mind, reduced damage, and potential insurance savings make hurricane shutters a worthwhile investment for homeowners in hurricane-prone areas. Take the time to research your options, choose the right shutters for your home, and prepare yourself for the next hurricane season. By doing so, you can rest assured that you have taken a proactive step to safeguard your property and loved ones.