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Yes, you’ll want shutters on every window. Skipping even one opening creates a weak spot that high winds or flying debris can exploit, putting the whole house at risk. Full coverage gives you consistent protection, reduces the chance of costly repairs, and can even help you qualify for insurance discounts in hurricane-prone regions.

Most insurers reward storm-ready homes. By adding hurricane shutters, you lower the risk of wind and window damage, so carriers often shave 8% to 10% off annual premiums in hurricane-prone states. Those savings stack up year after year and help offset your upfront costs, all while reducing the odds you’ll pay out of pocket for post-storm window repairs.

Aim to have your shutters installed before hurricane season, which runs from June through November. Scheduling the work in the spring gives you plenty of lead time and allows you to avoid the late-season rush. If you haven’t finished by the time a storm watch is issued, you can still install them; however, earlier preparation offers more peace of mind and smoother scheduling with local professionals.

Yes, installing both hurricane shutters and storm windows provides the highest level of protection for your home. While storm windows can withstand hurricane winds without shattering, combining them with shutters adds an extra barrier against debris. Installing both systems will increase upfront costs—storm windows average $12,000 installed—but this dual approach shields your home from wind damage and reduces repair expenses after severe weather.

The main disadvantage of hurricane shutters is their cost, as they represent a significant upfront investment compared to other storm protection options. Another disadvantage is that some shutter styles require manual operation from the outside, which can present challenges for individuals with mobility issues. Additionally, shutters require regular maintenance, such as lubricating tracks and inspecting fasteners, to ensure they function correctly. Neglecting upkeep can lead to corrosion or damage, reducing their effectiveness when you need them most.