Shutters can reduce storm damage, but they won't impact an insurance claim

By Marian Johns | | Aug 27, 2018

Plywood or hurricane shutters/screens covering your windows can help limit damage to your property.  

Florida residents are all too familiar with the hurricane "cone" put out by the National Hurricane Center as a storm makes it way toward the U.S. Residents who live within that cone path often use that time to board windows, but if you don't, will that affect your insurance claim after the storm?

According to home insurance expert and director of insurance product management for Kin Insurance Kevin Turner, hurricane proofing won't affect your insurance claim after a storm; however, those precautions could save you a lot of out- of-pocket expenses. 

"You are not required to take all hurricane precautions for your insurance to cover your loss," Turner said. "However, preventing a hurricane claim can save you a large out-of-pocket deductible and fewer and less severe claims are beneficial for all parties. The homeowner must handle fewer and less expensive repairs and the insurer has to pay out less, which leads to premium savings in the long run."

Turner suggests a few things you can do now to prevent property damage if a storm hits -- replacing or updating your roof to ensure it is as windstorm-fortified as possible; trimming trees, especially those that hang over your dwelling, power lines or your neighbor's property; and securing outdoor furniture.

When a hurricane is heading your way, Turner also suggests you install storm shutters for the windows and brace your garage door. 

So those few pieces of plywood or hurricane shutters/screens covering your windows can help limit damage to your property, even if they won't directly save you money on your hurricane insurance claim.

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