The Ultimate Guide to Choosing Hurricane Shutters for Your Home
Living in Clearwater, Tampa Bay, or anywhere along Florida’s storm-prone coastline means preparing your house for high winds, flying debris, and torrential rain. Hurricane shutters are one of the most effective upgrades you can make. They shield windows and doors, keep wind pressure from lifting your roof, and can even earn you insurance discounts. In this guide, you’ll learn the pros, cons, and costs of every major shutter style so you can choose the perfect protection for your Florida home.
1. Types of hurricane shutters
Rolling Shutters
Description: Rolling shutters are installed above windows or doors and roll down smoothly either by a hand crank or an electric motor. When retracted, they roll into a compact housing that is typically recessed or mounted above the opening, making them discreet and unobtrusive.
Pros: These shutters offer the highest level of protection against extreme winds and flying debris. The motorized option provides convenient operation, especially for multiple windows or large openings. They also add insulation benefits, helping reduce heat gain in summer and retain warmth in winter, making them useful year-round. Their sleek, modern appearance complements many home styles without compromising curb appeal.
Cons: Rolling shutters tend to be the most expensive option both in upfront cost and maintenance. Professional installation is almost always necessary due to their complexity, which adds to the cost. Repairs can also be pricier, especially if the motor or rolling mechanism is damaged.
Accordion Shutters
Description: Accordion shutters consist of durable aluminum panels mounted on tracks that run vertically along the sides of windows or doors. They fold accordion-style when opened and slide back into place when deployed.
Pros: They can be deployed quickly and easily, locking into place without any additional tools. Their aluminum construction makes them strong yet lightweight, and they require very little maintenance over time. Accordion shutters tend to be more budget-friendly than rolling shutters and provide a solid barrier during storms.
Cons: When open, accordion shutters remain visible and take up space on either side of the window or door, which can affect the aesthetics. Their look is more utilitarian, which may not suit all architectural styles.
Bahama Shutters
Description: Bahama shutters are mounted above windows on hinges at the top. They can be propped open to provide shade and ventilation during calm weather or closed flat against the windows to protect from storms.
Pros: These shutters add a charming, coastal style typical of Key West and other Florida beach towns. They allow airflow and provide shade, reducing cooling costs. When secured for a storm, they offer reliable protection and are relatively easy to operate.
Cons: When open, they partially block the view and natural light. Bahama shutters come in limited sizes and may require reinforcement in areas exposed to extremely high winds.
Colonial Shutters
Description: Colonial shutters are classic, decorative panels hinged at the sides of windows, swinging shut over the glass. They are designed for aesthetics as much as for protection.
Pros: They provide timeless curb appeal and are simple to close manually in preparation for a storm. Colonial shutters are usable year-round for both protection and decoration.
Cons: Because they are always visible, they may not suit all tastes or modern home designs. They are less practical for very wide openings and sometimes require additional bolts or hardware to ensure a secure fit during storms.
Storm Panels
Description: Storm panels are flat sheets made from steel, aluminum, or polycarbonate that are stored away until needed. When a storm approaches, the panels are manually installed over windows and doors using bolts or clips.
Pros: They are the most affordable shutter option and can fit nearly any size or shape of window or door. They are stackable and easy to store when not in use, making them a practical choice for budget-conscious homeowners.
Cons: Installation is labor-intensive and must be done before each storm, which can be inconvenient. When installed, they block natural light and views. Adequate storage space is required for panels when not in use.
Hurricane Fabric
Description: Hurricane fabric is a high-strength woven material that is anchored securely over windows and doors. It’s lightweight and designed to absorb and dissipate the energy of flying debris.
Pros: It’s easy to install and store, letting natural light through even when deployed. This option tends to be more economical than rigid shutters and can be a good choice for those seeking a lightweight alternative.
Cons: Fabric is less rigid than metal options and depends heavily on proper anchoring for effectiveness. It offers moderate impact resistance but may not be sufficient in the most severe storm conditions.
2. Factors to consider when choosing shutters
Level of Protection
Homes located closest to the Gulf or oceanfront, such as in Clearwater Beach or Belleair Shore, are exposed to the strongest winds and highest risk of impact. In these areas, rolling shutters or steel storm panels are often recommended because they provide maximum resistance against hurricane-force winds and flying debris.
Budget
Cost varies widely among shutter types. Storm panels and hurricane fabric start at approximately $5 to $10 per square foot, making them accessible for many homeowners. Rolling shutters, on the other hand, can cost upwards of $30 per square foot installed, reflecting their durability and convenience.
Ease of Use
Consider how often you travel or your mobility when choosing shutters. Motorized rolling shutters or permanently mounted accordion shutters are ideal for those who want quick, easy deployment without heavy lifting. Manual storm panels, while economical, require physical installation before each storm.
Aesthetics
Shutters not only protect your home but also contribute to its look. Bahama and colonial shutters add a classic Key West-style charm that can boost curb appeal. Recessed rolling shutter housings are nearly invisible when open, preserving a clean exterior appearance.
Maintenance
Aluminum accordion and rolling shutters need annual lubrication to keep mechanisms smooth. Wood colonial shutters require periodic painting to maintain their look and durability. Storm panels should be regularly checked for corrosion, especially in salty coastal air.
Local Building Codes
Pinellas County mandates that hurricane shutters or impact glass comply with ASTM standards E1886/E1996 for wind-borne debris protection in coastal Exposure C zones. Always confirm that your chosen shutters meet these requirements before purchase to ensure compliance and insurance eligibility.
3. Installation tips
Professional Installation
Licensed installers like those at RollShield ensure that shutter anchors are drilled into the home’s framing—not just the stucco surface—to provide maximum holding strength. This is crucial for shutters to withstand winds up to 150 mph.
DIY Installation
If you opt to install storm panels yourself, carefully follow the manufacturer’s instructions on bolt spacing (usually 6 to 12 inches apart) and use stainless steel hardware to prevent rust from salty air.
Regular Inspections
Before each hurricane season, test your shutters by opening and closing them fully. Tighten any loose fasteners, replace worn or cracked silicone seals, and inspect for any signs of wear to keep your shutters in optimal condition.
4. Key benefits of hurricane shutters
Peace of Mind
Knowing your family and valuables are shielded from shattered glass and sudden pressure changes that can threaten your home’s roof provides priceless peace of mind.
Increased Home Value
Buyers in areas like Clearwater and Tampa Bay actively seek homes with code-approved hurricane shutters and may pay a premium for properties that meet safety standards.
Insurance Discounts
Many Florida insurers offer windstorm premium reductions between 8% and 15% when you submit a Uniform Mitigation Verification form confirming your shutters are rated and installed properly.
Extra Perks
Rolling shutters also offer additional benefits such as deterring break-ins, reducing heat gain inside your home, and providing blackout capabilities ideal for shift workers. Bahama shutters enhance outdoor living by offering constant shade and ventilation.
Frequently Asked Questions
How do rolling shutters and accordion shutters compare in performance?
Rolling shutters typically offer enhanced insulation and a sleek design, while accordion shutters are budget-friendly and quick to deploy. Both meet Florida building codes and provide strong protection—your choice depends on your budget, style, and convenience preferences.
Do I still need plywood if I install shutters?
No. Rated shutters replace temporary plywood and perform far better in repeated impact tests.
Can hurricane fabric cover my lanai?
Yes—fabric spans large openings economically and rolls away into a small bag when storm season ends.
Contact RollShield for a Free Consultation
Protect your Clearwater or Tampa Bay home with the right hurricane shutters—rolled, folded, or fabric.
➡️ Schedule your free in-home consultation today.
📞 (727) 451-7665 | 🌐 Visit RollShield.com
Related Links
- Rolling Shutters – RollShield
- Accordion Shutters – RollShield
- Hurricane Fabric – RollShield
- Bahama & Colonial Shutters - RollShield
- Storm Panels - RollShield