Tag Archives: homeowners insurance

Common Myths About Hurricane Impact Windows

1 Mar

If you’ve been put into the position to look for hurricane protection for your home, office, church or any other building, more than likely you’ve been exposed to the following statements by either printed media or direct conversations:

“The building code says that you must replace your current windows with impact rated units.”
“Hurricane impact windows are the best form of hurricane protection.”
“Impact windows are hurricane proof.”
“New energy efficient impact windows will pay for themselves through monthly energy savings.”
“Impact windows won’t shatter.”
“Hurricane impact windows will withstand (or survive) a hurricane.”
“You no longer need your old hurricane shutters so you can sell them to offset the cost of your new windows.”
“Hurricane impact windows will increase the value of your home.”

Let me share with you some insight into these myths and the facts associated with them.

“The building code says that you must replace your current windows with impact rated units.”

This is the most persuasive statement that the window salesperson will lead with – even though it isn’t true. He/she is trying to test you to see how much you really know about the codes. The truth is NO ONE must change/replace their home’s windows with impact windows. The building code only states that your window openings must be protected with a tested and approved hurricane product. Hurricane impact windows are merely one of MANY OPTIONS that you have available to accomplish this. Storm panels, fabrics, screens, netting, translucent panels, Bahama shutters, accordion shutters, roll-down shutters and crystal clear panels will all be building code compliant as long as they have hurricane approval.

“Hurricane impact windows are the best form of hurricane protection available.”

This myth may very well be the opinion of the window salesperson, but it is hardly factual. What criteria determines “the best”? How can these windows be the “best form of hurricane protection” when they break and have to be replaced at a cost that is 2 or 3 times (or more) the cost of regular windows? I’m no Rhodes Scholar, but even I know that spending $1200.00 for a new window and then replacing it with another new one after the first one breaks is going to be a total of $2400.00. A regular window that costs $400.00 plus a quality hurricane shutter that might cost $600.00 only adds up to $1000.00 and the window isn’t going to get broken during the storm. There’s lots of wiggle room to buy an even more expensive window, too. Even if you spent $1000.00 on a window, the combined cost of window and shutter is still cheaper than buying a hurricane impact window twice! Enough said!

“Impact windows are hurricane proof.”

I don’t even know where to begin with this myth. First of all, short of buying bullet resistant glass, there’s no such thing as a “hurricane proof” window available to homeowners – period! Every single window that is manufactured by the top 10 U.S. window companies, will break when subjected to the large missile impact test for hurricane approval. Even a gently swung hammer, a thrown brick or even a tiny center-punch will break them, so “hurricane proof” isn’t even close to the truth. Youtube videos are a great way to see the truth in real life. Every single one that I have watched has the same ugly ending – a totally destroyed window with a big mess to clean up.

“New energy efficient impact windows will pay for themselves through monthly energy savings.”

It seems that the only folks who believe this myth are the window manufacturers, themselves. Every independent group that does testing agrees that in order for energy efficient pvc framed impact windows to pay for the cost difference between themselves and a regular window will take a minimum of 40 years! That’s not a lifetime for you or me, but it does happen to exceed the lifetime of the windows. He average life of pvc framed windows in Florida’s climate is 25-30 years. And even if it were 40 years, that means that as soon as a window has paid for itself, it’s time for a new one. Sounds almost like buying a new car, doesn’t it?

“Impact windows won’t shatter.”

shatter – definition

Dictionary.com – to break (something) into pieces, as by a blow.
Merriam-Webster.com – a: to break at once into pieces b: to damage badly: ruin

The Free Dictionary.com – To cause to break or burst suddenly into pieces, as with a violent blow.Dictionary.cambridge.org – to break suddenly or cause something to break suddenly into small pieces:
And finally…..
oxforddictionaries.com – Break or cause to break suddenly and violently into pieces

The next time that you visit Youtube, search and watch “hurricane impact window test” and you’ll see that every impact window that gets tested absolutely shatters into thousands of pieces that fly everywhere!! You’ll also see some windows with aftermarket, applied security films – they also allow the window to break but actually do a better job of holding the glass together than most of the impact windows tested. Window people misuse the phrase “won’t shatter” and I wish that I knew why these people want to expose the public to this risk. The laminated glass shatters and in the event of a small impact episode the broken shards stick to the inner liner. But in the event of a violent impact, glass shards from the laminated glass will go flying into the room and can injure anyone insidet. Putting window film on the inside of your impact windows would make them safer, but most window companies will not warranty your windows if you apply window film to them.

“Hurricane impact windows will withstand a hurricane.”

I don’t know what dictionary the folks who use this phrase are reading. I think of the word “withstand” to mean “to endure without breaking”. I use pretty much the same definition for the word “survive”. I guess the “window people” have their own set of definitions for these 2 words because according to the dictionary their definitions are as follows:

survive – definition

1. to remain alive after the death of someone, the cessation of something, or the occurrence of some event; continue to live

2. to remain and continue in existence or use

3. to get along or remain happy, healthy and unaffected in spite of some occurrence.

NEXT

1. to remain alive; to continue to live

2. to continue to exist

3. to remain alive after the death of (someone)

FINALLY:

1. to remain alive or in existence

2. to carry on despite hardship or trauma; persevere

3. to remain functional or usable

 

withstand – definition

1. to stand up against; to oppose with determination; to resist successfully

NEXT:

1. to stand or hold out against, resist or oppose, especially successfully

2. to stand in opposition; resist

NEXT:

1. to resist or confront with resistance

2. to stand up or offer resistance to someone or something

FINALLY:

1. to be strong enough not to be harmed or destroyed by something

2. to be able to deal with a difficult situation

I guess that the window people have their own set of definitions because, to me, if a window survives or withstands a hurricane, it should still be in place and functioning as a window – still keeping the wind and rain out, still clear and able to be seen through. These words certainly don’t apply to an impact window after it has been subjected to a 2 x 4 traveling at only 34 mph. What the window people want the words to mean are that it will still be in the window frame and laying on the floor. It won’t be water or wind resistant but it will still keep the room from being pressurized by high winds and that’s about it. This doesn’t sound like “surviving” or “withstanding” to me – does it to you?

 “You can sell your old shutters to help pay for your new impact windows.”

PLEASE don’t make this mistake! If you want to protect the money that you have plunked down on your new windows, keep your old shutters! Throwing them away or selling them is like getting rid of a raincoat because you bought a new jacket. You still need the impact protection of shutters to protect your hurricane window investment just like you still need the raincoat to protect your new jacket!!

As soon as your windows sustain a hit from a large missile impact, albeit during a storm or from some other source, your window will have to be replaced. Check with your insurance company to find out the terms of your policy. Most insurance companies won’t pay for the total cost of impact window replacement. They only cover the cost of a standard window replacement, but for the ones that do cover the cost, many of them will only do so once and then you will be required to shutter them for the next time.

“New impact windows will increase the value of your home.”

This statement is only partially false. A savvy home buyer already knows the disadvantages of having impact windows in their home and will use it against you during negotiations – especially if the windows are more than a few years old. They know that the cost of replacement is high and that they will have to invest in shutters to protect the expensive windows. They also know that impact windows are plagued with problems like broken internal springs, foggy panes and that the pvc frames can warp and get brittle with age. These are all signs of low-budget window improvements used by “flippers” and not conscientious homeowners who are attempting to improve their home. Aluminum framed, powder coated, non-impact windows with high quality shutters are sure signs that the homeowner did his/her homework on the correct way to outfit a home with windows aimed at maximum protection, long life and low maintenance.

The bottom line

Your best approach to keep from getting sucked into a poor choice of hurricane protection is to become an educated consumer who doesn’t rely on only what you are told by those whose interests are served by the window industry. It’s their job to sell more windows and they push the limits any way that they can to accomplish that end. It’s up to you to protect your family, home and property the best way that you know how. Knowledge is power so don’t be afraid to acquire it when it comes to protecting the things that you cherish.

One solution

If  you’ve decided to get new windows, do your research, ask questions and read the window literature carefully. If you see phrases like “hurricane proof”, shatterproof”, “unbreakable” or “withstands/survives hurricanes” BE CAREFUL. These statements are all false when they are referencing any glass window – impact rated or standard – because there is no such thing. These words are intended to convince you that hurricane impact windows take away all of the worries about broken windows as a result of hurricanes and hurricane debris.

If you already have impact windows, you may want to consider protecting them and extending their life to protect your investment.

Either one of these scenarios will make you a good candidate for the crystal clear protection of Evolution Hurricane Shutters. You get superior strength, energy savings and clear-as-glass views. Visit our website at http://www.evolutionhurricaneshutters.com for information and videos about our unique product.

 

The Hurricane Shutter Business and Insurance

19 Sep

From my point of view, when it comes to hurricane protection, the proof has always been “in the pudding” and that is the basis of our product, our live demonstrations and our business. We test what we install and we stand behind it 100%. Anyone who has seen our live demonstrations (from Ocean City, Md to Naples, Fl.) knows how much we trust our product. Yes, I am certainly going to tout the benefits of Evolution Hurricane Shutters, but I will also tell you the positives of some of the others, as well and I hope that others will chime in with additional information. As I have stated before, I’m no expert. I know that the hurricane protection that we manufacture at Evolution Hurricane Shutters is not for everyone, not for every business or church and not for every application. I freely admit that and I will tell a prospective customer the same if our product isn’t going to be the best “fit” for them. Sure, if they demand it from me, I’ll sell it, but that’s not what being in business is all about for me. I’m not in favor of promoting the idea that a $3000 used park model mobile home should have $4000 of hurricane protection. But if he/she has been told by their insurance company that the structure is non-insurable and therefore feels that our product is the only one that protects their property, then I’m on board. Besides, the replacement cost of a small park model starts at about $22, 000.00. There is a corrupted saying in the marketplace that says “The customer is always right.” but the original real version says, “The customer is king.” The kings may not always be right but, nonetheless, they are still kings. How else are people going to protect their property? When the insurance company says that your home isn’t worth the risk for them to insure, the you need to take matters imnto your own hands. Anchor it down so it doesn’t blow away and do what you can to keep the windows from blowing out.

The internet is a great place to find out who has bad reports, complaints, dissatisfied customers and lawsuits. When I review a business or a product, I don’t give too much credence to a customer complaint here and there.  However, when there are so many complaints against a company and so much missing money that the courts get involved, it probably bears a closer look. With that being said let’s move on.

In my way off thinking, if you do anything in your business, you’re gonna’ make a mistake somewhere along the line. If a business owner were to tell me that he/she have NO complaints from customers, then they don’t have much of a business. If you don’t get complaints, you aren’t doing anything. I’ve worked for enough companies in my life to know that there are some people out there who are NEVER satisfied with anything. They think that everything they amass in their life should be free and unconditionally guaranteed for life. They also believe that restaurants are in business to give them free meals and auto repair shops should fix their cars at no charge. In some cases, it also seems that every problem that they experience in life is the fault of someone else. These people are out there and you probably either know at least one of them or maybe are even related to one (isn’t it horrible that we can’t pick our relatives?).

Just remember that insurance companies are out to maximize premiums and minimize losses. That’s their game and everyday they make the rules in Washington, D.C. to benefit themselves at the expense of the public. That’s about all i need to say on that topic………..

Hurricane Protection and Insurance

1 Sep

Well, we all know that no matter which insurance company we talk about, they are all in the insurance business to make a profit for themselves and/or their stockholders. I personally think it is a legal form of discrimination and I’ll tell you why. If I were a landlord and used an insurance company form as my rental application, I would be sued in court 10 times over. If I used it as an employment application, the same thing would happen. I guess you can do things like that when you have as much power in D.C. as the insurance industry lobby.

Now that the insurance companies have pushed legislation through that gives them the power to dictate and mandate homeowner coverage (gee, I wonder when that is going to stop), there is a lot of hoopla going on in today’s marketplace for aftermarket hurricane protection. One of these days, I should get a bunch of insurance big-wigs together and show them a live large missile impact demonstration of Evolution Hurricane Shutters. If they’re smart they won’t show up. How could they witness something like that and not deem it great hurricane protection?

One concept that you can take to the bank is that there will be big changes made concerning homeowners insurance. It won’t be long before the phrase “I don’t bother with hurricane protection – that’s why I pay for insurance. When it blows away, they’ll just have to replace it,” will get you “zippo” for a insurance payout.

Although it might be possible in 2015 to buy homeowners insurance without having hurricane protection in place, you had best get your wallet out. My prediction is that it will cost you no less than 4 times what you are paying now. I’m not saying that your policy will cost 4 times more, I’m saying that the “wind damage” portion of your coverage will be 4 times higher than it is in 2012 if you have no hurricane rated protection in place. And if you have hurricane shutters in your garage but don’t bother to put them up, you can forget about your claim being paid if you happen to incur wind damage. It’s like your wife trying to collect on your life insurance when you were shot and killed while robbing a bank – not gonna’ happen!!

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Here are some of the points I’ll try to address in my next post:

How does one decide which one is best for their home, church or business?

Why should I have to get hurricane protection and which ones will my insurance company recognize?

What if I don’t get any hurricane protection?

Is it possible to make my struct5ure so hurricane prepared that my rates will go down?

What about my mobile or manufactured home?