As a homeowner in Brevard County or Indian River County, FL, you know that hurricane season can be an anxious time. The threat of high winds, torrential rains, and flying debris looms, and ensuring your home is fully protected is a top priority. But did you know that installing exterior window shutters can not only safeguard your home but also help you save money on your home insurance premiums?
At Lafferty Hurricane Protection, we specialize in providing hurricane-rated exterior window shutters designed to protect your property from the destructive forces of nature. Beyond the critical protection they offer during storm season, these shutters can also result in significant financial benefits, including reduced insurance costs. Let’s explore how exterior window shutters can directly impact your home insurance premiums.
One of the primary ways exterior window shutters can save you money is through discounts on your home insurance premiums. Many insurance providers offer reduced rates for homes equipped with hurricane-rated protection systems. This includes features like impact-resistant windows, storm doors, and, of course, exterior window shutters.
Why do insurance companies offer discounts? Simply put, homes with hurricane protection systems are less likely to sustain extensive damage during a storm. Exterior window shutters shield your windows from flying debris and high winds, significantly lowering the risk of window breakage and water intrusion. This means your home is less likely to suffer from costly repairs and damage claims, which in turn reduces the financial risk for your insurance provider.
Insurance premiums are based on risk. The higher the risk of damage, the higher your premiums will be. Exterior window shutters lower the overall risk of damage to your home during a hurricane by preventing window breakage, one of the most common sources of damage during storms. By adding these protective shutters, you effectively minimize the chances of a claim, which in turn leads to lower premiums.
In addition, the installation of hurricane-rated shutters signals to your insurer that you are taking proactive steps to protect your home. Insurance companies recognize this and may offer better rates to homeowners who invest in protective measures that reduce their risk exposure. In other words, by investing in shutters, you're not just protecting your home—you’re also taking steps to lower your insurance costs.
When windows break or water floods your home due to a lack of protection, the damage can be extensive—and costly. Insurance claims resulting from broken windows and storm damage often involve high deductibles and can lead to significant increases in future premiums. However, with exterior window shutters installed, you can dramatically reduce the likelihood of such claims.
By preventing windows from breaking, shutters help keep your home safe from both wind damage and water intrusion. Fewer claims mean you avoid the financial burden of high deductibles, and your insurer is less likely to raise your premiums in the future. Over time, the savings on insurance premiums can offset the initial investment in shutters, making them an economically smart choice for homeowners in Brevard County and Indian River County.
Besides lowering your insurance premiums, exterior window shutters can also increase the resale value of your home. When prospective buyers see that your home is equipped with hurricane protection, they may see it as a safer, more valuable property. In areas like Brevard County and Indian River County, where hurricanes are a real concern, this can be a major selling point.
Homes with hurricane shutters are often more attractive to buyers, particularly those who have lived through previous storms. In fact, many buyers actively seek homes with built-in storm protection systems because they understand the value of having exterior window shutters already in place. This increase in home value can be another indirect way shutters save you money—they improve the overall financial investment in your property.
Insurance companies in Florida are keenly aware of the state's susceptibility to hurricanes. As a result, many have created specific programs that reward homeowners for taking preventive measures. By installing hurricane-rated exterior window shutters, you may qualify for discounts under these programs. In some cases, the discounts can be as high as 10-20%, which can add up to significant savings over time.
It’s important to note that not all shutters are created equal. Lafferty Hurricane Protection offers high-quality, storm-rated shutters designed to meet or exceed local building codes, ensuring your home is adequately protected. When your shutters are professionally installed and meet industry standards, you increase the likelihood of qualifying for insurance discounts. Be sure to consult with your insurance provider to see if your new shutters qualify for any available discounts or premium reductions.
At Lafferty Hurricane Protection, we specialize in high-quality exterior window shutters that are designed to withstand the toughest hurricanes. With our shutters, you don’t just get superior protection—you also get a cost-effective solution that can help lower your home insurance premiums over time.
Here’s why homeowners in Brevard County and Indian River County trust us for their hurricane protection needs:
If you’re ready to protect your home and start saving on insurance premiums, it’s time to consider exterior window shutters from Lafferty Hurricane Protection. Our shutters are an investment that not only improves the safety and security of your home but also provides long-term financial benefits.
Contact us today to schedule a consultation. Our team will assess your home, discuss your needs, and help you choose the best shutters to keep your family safe while reducing your insurance costs. Don't wait until the next storm is on the horizon—take action today to secure your home and your savings.
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Great company and quality work!
Great price and great work. Am very happy with the business.
Great price and the installation technician did an outstanding job.
"We are very satisfied with our new fence and work done by Lafferty Aluminum. Quality, professionalism, and reliability working with Lafferty has been very good and I am happy we chose them."
"Lafferty was one of the easiest and smoothest company's to work with. We are building our home and these guys were so customer friendly, answered all our questions, was available to take our call if we had questions."
"Friendly service, professional attitude of employee, polite and they cleaned up as they worked. We had our pool enclosed redone after hurricane damage and now it looks great. Thanks"
"Lafferty did a fantastic job from start to finish on the patio pavers and aluminum screening. They completed the project on time, and perhaps even a little ahead of schedule!"
"I couldn't be happier with the work performed by Lafferty. They replaced my original screen house in February in a professional and timely manner. I would highly recommend them for your screen enclosure needs."
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