Tag Archives: hurricane shutters

Protecting Your Impact (or non-impact) Window Investment

5 Dec

Don’t be misinformed and possibly make a high-dollar mistake about hurricane impact windows. If you think that you can buy (or have already bought) unbreakable hurricane impact windows, you may want to watch this Youtube video:

https://www.youtube.com/watch?v=oZx4hHZ-JJU

This video shows how EVERY hurricane impact-rated window is tested for a large missile impact and it also shows how EVERY window breaks – none survive!

At this point you might be confused about window strength, so let me tell you right now that there is no such thing as a “hurricane proof” window. Anyone who tells you differently is either ignorant of the facts or just plain dishonest. No matter what name it has attached to it, any glass window is going to break and will then require the mess, expense and inconvenience of being replaced. Although you may have been led to believe that you will no longer need your hurricane shutters, hurricane shutters are your first line of defense against window damage. It may have even been suggested that you sell your current hurricane shutters to help offset the high cost of new impact windows (implying that they are no longer needed). Hurricane impact windows are great as a second layer of protection from storms, accidents or vandals, but their replacement cost is so high that relying upon them as your first line of defense from a hurricane or smash & grab break-in isn’t economically acceptable – especially if you have had more than one incident. If you are buying new windows, make sure that they are sized so that you can still use your old shutters to protect them.

A good, quality impact-rated window can cost as much as 3 times or more of what you would normally spend on a non-rated window. There are plenty of less expensive ones out there but if you want a window that is going to last for the life of the home, a lower quality window won’t get you there. Hurricane impact windows are expensive to buy and just as expensive to replace when they get broken. Unless you want to buy your hurricane windows TWICE, don’t leave them unprotected!

Also it’s a good idea not to rely on your insurance company to pay for your broken impact windows, either. There are many policies on the market that won’t pay for the cost of impact window replacement – only the cost of a regular window and you are left picking up the difference. Check with your agent and be sure of your coverage! Don’t wait until it’s too late.

Evolution shutters are designed to protect ANY window from breakage and look good while they do it. They offer the homeowner benefits that other forms of window protection can only dream about.

Watch this Youtube video to see how well an Evolution shutter holds up to a hammer attack:

https://www.youtube.com/watch?v=QGFx9jY7_NE

Evolution shutters offer repeated protection impact after impact, storm after storm, year after year WITHOUT BREAKING!! That’s right, our shutters protect your home storm after storm, season after season and you won’t need to wait for repairs or replacement to keep your home protected. While others will be on a long waiting list for window replacement, you’ll be ready for the next storm. Ask anyone who suffered through the hurricane season of 2004 how long they had to wait for replacement windows – most waited MONTHS – not days or weeks. Much of the water damage came from the rainstorms that happened from the tropical rainstorms that occurred while they waited for their replacement windows.

Besides providing superior impact protection, our shutters also make your existing windows quieter and more energy efficient. They also protect them from the sun and weather so that your current windows will last longer. This is especially important if you have wood windows that are clad with aluminum or PVC and are concerned about moisture getting to your windows and rotting them from the inside-out. It’s also important for those of you who purchased windows constructed of PVC (vinyl plastic). Sunlight is the enemy of plastic and windows constructed of this material normally have a life expectancy of only 20-30 years. This isn’t a problem for those who don’t plan on keeping their home that long, but the next purchaser of the house may well use this fact as a negotiating tool to get a lower price on the home or get an allowance that will pay for new windows. Look at it this way………let’s say you are looking to purchase a home that had new windows installed 10 years ago – would you pay top dollar for it knowing that it was going to need $20,000.00 or more worth of new impact windows in 10 years??

Our shutters also reduce the need for annual maintenance and also keep wind and rain away from your windows. There’s no chance of major water leakage during a storm, either.Also, that earlier video you saw where the window was hurricane tested?….keep in mind that window companies are only required to test NEW windows. None of them test PVC windows that have been installed for 10 years to see how strong they are as they age.

If you don’t have the ability to service and maintain your windows every year to keep the warranty in force, maybe those new windows aren’t for you. Many new window warranties require the homeowner to perform annual maintenance on the windows after the first year so check your warranty closely. Simply protecting your current windows from the elements might be a better, less expensive option.

Probably the most exciting feature of our shutters is how they look. They don’t make your home look like a public storage facility or closed automotive repair shop and there’s no “dungeon effect”, claustrophobia concerns or even simple distortion with our shutters. That’s because it’s crystal clear – that’s right – clear as glass with no distortion.You see exactly what is outside. There are no wavy lines to look through or around. And anyone looking at your home from the street won’t even see them because they blend right in and match the shape and size of your windows – even the color can be matched.

Camera pics 091

Visit evolutionhurricaneshutters.com and see more videos, pictures and find out more facts and information. See why Evolution shutters are called “The hurricane shutter that doesn’t look like a hurricane shutter.” They are the best form of crystal clear impact protection available – PERIOD!

When your hurricane protection professional or window salesperson calls on you, insist on the crystal clear strength of Evolution Hurricane Shutters over your windows. It’s clearly the best way to protect your home, family, property and window investment. Give us a call or fill out the form on the “Contact Us” page of our website to schedule a free estimate.

Evolution Hurricane Shutters – “The rEvolution in Hurricane Protection.”

Taming Outside Sounds During a Storm

13 Aug

Sounds from any severe weather event, be it a hurricane, tropical storm, tornado, mirco-burst or torrential downpour, have a tendency to create a certain amount of anxiety in children, pets and even some grown adults. Although we are visual creatures by nature, it is the sound that accompanies our visual input that solidifies events in our minds. The relationship of lightning and thunder are a great example. If there was no thunder, lightning would just be a pretty flash of light in the sky.
No one knows this better than Hollywood. As a test, find the scariest movie that you have ever seen and watch it with the sound turned off. You will find that even the most horrifying scenes have become quite subtle. As even more proof, take a look at your pets as they sleep right through it. Conversely, as you increase the sound during that same movie, the effects of the louder sounds intensify the angst created within the audience. Louder sounds also stir your pets and even if they might not show interest, you will see their ears moving as sound levels increase. As soon as you make a move, they will snap to their feet in anticipation. They can sense the additional tension in the room.
Sound: The point here is that sound stimuli have effects on everyone during a weather event and the more you can do to reduce each stimulus the calmer everyone will be able to remain. Wind gusts buffeting against deployed shutters, high winds whistling between lapped panels, the clang of hailstones and pelting raindrops all create noises that can amplify the perception of a severe weather event. If you’ve never been through a tropical storm or hurricane, describing the noises to you is impossible. The effect that it has on children and pets is heart-wrenching and there is a certain helplessness that adults feel when their efforts to ease the anxiety and fear are futile.
The encounter: I came to Florida in 1976 and I can remember my 1st tropical storm. The winds and torrential rains scared my cat so bad that she hid for 3 days. Our special needs boy of 6 was just plain scared. There were just 3 of us in the house and we had to holler to each other just to converse. Neither my wife nor I were from Florida so we had no idea what to expect and we learned a lot about storm noise from our first tropical storm encounter.
Increased noises: Take for example hailstones or even large raindrops…..when they hit a metal panel the sound is increased. When they hit glass, the sound is somewhat less.
There are also cracks and joints in, or around, most types of shutters. Corrugated metal and plastic panels have overlapping joints. Unless these laps are sealed tight in some manner when the wind blows through these overlaps they can whistle. It’s like holding 2 pieces of paper together and blowing at the edges. When you blow just right they can make a pretty annoying sound.
Metal roll-downs and accordions have small cracks that are formed at the joints to form hinges. The small slits that result can whistle during high winds or emit an eerie sound effect, as well. Screen type hurricane systems also cause whistling. Bahama shutters have fixed louvers with gaps and colonial shutters have fixed gaps between themselves and the wall that aren’t (or can’t be) filled or covered and they can also create a howling sound.
Fabrics and straps make a flapping sound. Have you ever heard a tractor trailer on the interstate that has straps making that “buzzing” sound as it goes by? The same thing can occur when high winds blow between the fabric and the overlap of the wall.
The remedy: Even the most meticulous installation of your typical storm shutters won’t eliminate the cracks and open passages that create storm noises. It’s simply something that you will have to be prepared to endure during high winds. But there’s a better solution………
Installing Evolution Hurricane Shutters over your window does 2 things to improve the sounds during a tropical storm experience.
First, it lowers the amount of sound that comes through your windows. The air that is trapped between the shutter and your window becomes insulation that will deaden any outdoor noises including those of a storm. Second, because the crystal clear panels are made from space age polycarbonate they don’t create additional noise or amplify storm noises. Polycarbonate is less dense than glass or metal and is, therefore, a better insulator and doesn’t transmit sound as well. So no matter what hits them on the outside, the noise transmitted to the inside is noticeably decreased, not amplified.
Although they aren’t airtight their patented design doesn’t have and any slits, cracks, laps or gaps for wind blow through and create noise. A properly installed Evolution shutter has a weather-strip cushion on the back and sometimes additional caulking to prevent winds from getting behind it enough to create noises. The results are calmer people and pets and because they are clear as glass, there’s no guesswork involved about what is happening outside and there’s no groping around in the dark during the day when the power goes out.
Simply stated, Evolution Hurricane Shutters are the most effective form of hurricane protection you can put on your home, business or church. They help to lessen the anxiety that is created inside your building due to storm associated sounds during a tropical wind event. It’s just one more reason why we say that Evolution Hurricane Shutters are “The rEvolution in Hurricane Protection.”

Evolution Hurricane Shutters, LLC

“The rEvolution in Hurricane Protection.”

Stop by http://www.evolutionhurricaneshutters.com and see why it’s called “The hurricane shutter that doesn’t look like hurricane shutter.”

Energy Saving Hurricane Shutters

28 Aug

Sunlight creates heat

I know….quite the Earth-shattering statement, right? But there’s nothing like pointing out the obvious. Almost any type of hurricane shutter will save some energy if in no other way but by blocking sunlight, creating shade and thereby blocking the sun’s rays from hitting objects within your home that create heat. The problem is, the energy is only saved when the shutter is deployed. Roll-downs, accordions, corrugated metal panels, colonials, fabric panels, screens and Bahamas all block out a certain amount of sunlight and shade the window when they are deployed. But when they’re deployed, they block, and sometimes totally eliminate, the view completely. The other catch is that they only make shade during the daytime when the sun is shining. Your windows still lose and gain heat all night long.

Temperature differential

There are other forces of energy that bring heat into your home. One way to demonstrate this is at nighttime when there are no sun rays. Here are 2 scenarios to entertain…..a hot August night or a cold January one. Simply place your hand on the window and what do you feel? If it’s August and the A/C is keeping your home at a comfortable 72 degrees and it’s still 80 degrees outside, you’re going to feel warm glass. If it’s in the dead of winter and it’s 20 degrees outside and your heating system is keeping it a toasty 76 degrees inside, the window is going to feel cold. Pretty simple stuff, right? It’s known as temperature differential. But there’s more to it than that……and I’m kind of getting off topic here, but bear with me. It all comes around full circle in the end.

The window war

The warmer air on the inside of the glass seeks out the cold of the outside of the glass while the cold on the outside is seeking the warm of the inside. Depending upon which force is stronger determines if the outside of the glass is warmed by the inside or if the inside of the glass is cooled by the outside. It’s a kind of “window war”. Whichever side has more “push” wins the battle. What determines the “push”? The push is greatly influenced by the circulating air on each side of the window. On the inside, there is calm circulation – a ceiling fan, movements of people or pets and the circulation created by your heating or cooling systems. On the outside?? – the force of Mother Nature – the WIND.

So, which side of the window do you think has the greatest “push”? Anyone who thinks that any answer other than “Mother Nature” is the right one, has to come and sit in the front row for the rest of the class! The ceaseless power of Nature always seems to have the upper hand. That’s why your windows feel the way that they do on the hot August night or the cold January night. Mother nature is always winning. If you were to go out side the glass will feel the same as the outside temperature – another sure way to see that Mother nature is winning. We’ll revisit Mother Nature later on in this post.

The analogy that I just described isn’t precisely the way that it works in science, (because science tells us that there’s no such thing as cold – only an absence of heat) but it helps to make my point about the energy battle of window glass. One important concept to grasp at this point in the discussion is that glass is a VERY poor insulator and conducts heat and cold all too well. It also breaks and we will revisit these facts later on, also.

Peace in the window war or merely a truce?

Glass manufacturers set out to make peace between the inside and outside energies so they came up with the ingenious idea of protecting the layer of window glass with another layer of window glass and separating them with an air space. They then sealed them around the edges so that nothing could get in or out. This helped to bring the advantage of the outside force to a more equal level of the inside force because there was no longer any “wind” on the opposing sides of either layer of glass. These became known as “insulated glass units” (IGUs, for short) and the window industry latched onto the idea and made windows by the tens of thousands.

There was, however, one slight problem. The air that was sealed tightly inside would change from getting warm during the day to getting cold at night plus all of the temperature fluctuations through the 24 hours of a single day. Every time the wind blew, every time a cloud came over, every time it rained….well, you get the idea – A LOT of temperature changes in a single day. If you multiply that by just 7 days of a week, that amounts to many times more changes. These changes in temperature cause the trapped air to expand and contract and it does this with every temperature change and, over time, would eventually weaken the seals and seep out of the air space. This allows the more humid air from outside of the air space, into it and causes the IGUs to get cloudy. In an effort to try and disguise the fact that moisture was getting in, they put a powder inside the window to soak up the moisture, but it only delays the inevitable. No matter what is tried, this temperature “cycling” up and down can’t be stopped. This is the other one of Mother Nature’s forces that I referred to earlier that can’t be controlled. To this day it is universally accepted that there will always be this problem until someone perfects a way to equalize the internal IGU’s air space pressures with those outside of the air space without them mixing together. There is simply no way to stop the expansion and contraction cycling that occurs inside. No matter what brand of window that you use, if it is an IGU that uses a sealant system around the perimeter (they all do), it will never be guaranteed not to leak – most don’t make it past 8 years. Independent studies have shown that every year, a sealed IGU loses a MINIMUM of 1-2% of the air (or gas) inside and then starts replacing is with regular humid air from the atmosphere. Keep this in mind when someone tries to convince you that fancy internal gases like Argon or Krypton are the cat’s meow of IGUs. Although they don’t expand and contract as much as the air that we breath, they still do it – it’s just physics and can’t be stopped.

This entire process of making IGUs takes place in a factory where the air qualities like temperature and humidity are controlled and also to reduce the amount or dust and other foreign particles that might make their way into an IGU. These facilities do a very good job. however all of this comes at a high price and, of course, gets passed on to you and I, the consumers.

Someone please stop the madness!

Let me digress a little more, without totally digressing. You see, the same folks who thought up the idea of making IGUs (that they concede won’t last long) decided to take two pieces of glass and sandwich them around a super-tough plastic sheet that has very high tear strength. They took this “glass sandwich” and put it in a window frame, called it “impact glass” and made tens of thousands of more windows with it. Why they use the word “impact” to describe it, is beyond me, because the one thing that it ISN’T good for is impacts!! Here’s a video that shows that: https://www.youtube.com/watch?v=Vp6Nl9ZBMHE . I picked this video at random – there are dozens of others that show the same thing. Do these windows look like they can stand up to impact to you? What these windows happen to do well is keeping a large missile (or projectile) traveling at 50 feet per second from penetrating completely through the window and creating a hole. If a hole were to be created, we know that wind can then enter a structure and increase the pressure inside that will allow the roof to be blown upward and possibly off of the building.

So here’s the new scenario…..They take these VERY expensive impact IGU windows (sometimes 3 to 4 times the cost of regular windows), sell them to the consumer, install them in their homes and after a storm passes, you, the homeowner, now have – you guessed it – VERY expensive BROKEN windows. I don’t know if it’s just me or what, but this approach makes absolutely NO SENSE to me. Why design something 3 to 4 times as expensive that will break so that you have to buy it again and again each time it breaks?? Am i wrong here??

An intervention of common sense

So….is there a way of reducing heat gain and loss though your windows without defying the laws of Mother Nature? Well, in fact there is…..and it has been around for a long time. It’s done by using storm windows and it’s even recognized as a proven method of reducing the amount of heat loss or gain through any window. Here’s the link to The United States Department of Energy website that discusses the topic: http://energy.gov/articles/5-steps-making-your-windows-more-energy-efficient  . There are many other sites, both government and private, that will echo this method of energy conservation as prudent.

The mission

What if there was a way to use this old tried and true method of saving energy and combine it with a hi-tech material that won’t break like glass and is a better insulator, too?? That way we wouldn’t have to put so much effort into defying the forces of physics and Mother Nature.

I’m here to tell you that there is a way to do it and it’s with a product that has been around a long time. Not as long as the idea of storm windows has been around, but as long ago as the 1950s. How about this idea ………..instead of making something that breaks, why not make something that DOESN’T BREAK??? Instead of using a cheaply produced PVC frame that will only last 20 years, why not use super strong aluminum pieces that will last 100 years? And instead of making a sealed (but leaky) IGU, why not combine these materials and use the U.S, Depart. of Energy’s proven method of making it like a storm window to save energy? What you would end up with is something without an expensive IGU (that has yet to be made 100% reliable) and without the fragile characteristic of impact glass.

Winning the battle

If this sounds like a win-win concept to you, it did to me, too, so here’s a video showing the end product in a live demonstration. There’s no glass to break because this ’50s era material is called polycarbonate – a plastic that is 200 times stronger than glass, a fraction of the weight and a much better insulator. There’s also no seals to fail and no huge, expensive, dustless or atmosphere controlled building required to assemble it.

Take a look at the video below and tell me what you think. But before you do, keep in mind that this energy saving hurricane shutter will protect ANY window – new or old, impact or non-impact in just about any shape. And because it doesn’t require a huge, expensive factory these can be sold to the public for 1/2 the cost of the expensive IGU impact windows (that break and lose their seal). It’s called by everyone who sees it “the hurricane shutter that doesn’t look like a hurricane shutter” and I think you’ll see why: https://www.youtube.com/watch?v=QGFx9jY7_NE 

So, now that you have watched the video. Are you:

  1. Surprised?
  2. Astonished?
  3. Impressed?
  4. Curious?
  5. All of the above?

If you want to know more visit:The hurricane shutter that doesn’t look like a hurricane shutter. and find out more. Maybe they’re just what you’re looking for?

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………..

Some Facts About Impact/Hurricane Windows

10 Sep

It’s a bit amazing that I have only owned this hurricane shutter company for less than 2 years and the most common comments I get from people, when they have asked what I do, is, “I don’t need hurricane shutters – I had impact windows installed a few years ago.” or “I’m not worried about my windows breaking during a hurricane – I have impact windows.” I feel sorry for these misinformed homeowners who won’t discover the truth about hurricane impact windows until it’s too late to save them a lot of money and aggravation. Here are some things that you might not know about hurricane windows.

There are 2 kinds of hurricane window ratings in Florida – non-impact and impact. Non-impact hurricane windows must pass higher wind pressure, air infiltration & water penetration testing than standard windows. They do not have to meet any impact requirements – only wind pressures.

On the other hand, Impact rated windows have to pass the same tests as the non-impact windows. These tests are done before the large missile impact, high wind load and cyclic testing is done. I believe the reason for this is that after the hurricane testing is complete, the windows are too far damaged to pass the standard tests. Why? Because after the hurricane testing is complete, your high-dollar, hurricane impact rated windows are BROKEN and must be replaced.

My advice to any window buyer is this; if any window salesperson tells you that the windows that you are about to pay big bucks for are “hurricane proof” or “unbreakable windows”, kindly but swiftly escort him/her out of your home or place of business. THESE PEOPLE ARE EXACTLY WHY GOVERNMENT REGULATION OF MANY INDUSTRIES IS REQUIRED!! It’s unfortunate, but even in today’s marketplace, the old Latin saying of “let the buyer beware” still applies.

To the best of my knowledge, there are only 2 or 3 manufacturers of windows that are both Energy Star compliant AND impact rated. In my opinion, these windows haven’t been on the market long enough to be proven effective or reliable. The thin PVC material used in their frame profiles hasn’t proven itself tough enough for the severe Florida climate and although I have seen many companies offering “lifetime warranties” on their windows, be sure and read the fine print to see if it covers both the new windows, shipping charges AND all installation costs. Even if they do offer total coverage, you still have to put up with the mess and inconvenience of having your replacement windows installed again.

Non-impact hurricane windows can be ordered with extra energy saving characteristics that make them qualify for an Energy Star discount. Things like thermally broken design, multi-pane insulated glass* and low-e and other coatings are a few popular options. If you install this type of window in your home, office or church, you have done a good thing. The only thing left for you to do is to protect them from large missile impact and presto! – you have totally compliant window openings for wind mitigation discounts and are eligible for Energy Star tax credits.

If you choose to get your impact protection via Evolution Hurricane Shutters, you will not only get distortion free, clear hurricane impact protection, you will also increase your monthly savings on your heating and cooling costs over what your new windows will provide. No other kind of hurricane shutter offers you permanent protection like ours.

Impact hurricane glass windows have some energy upgrades available, too, but upgrading to IGUs at this level will cost quite a bit more and give you some added energy savings and quiet your home. These windows are expensive, extremely heavy and make your home quieter. Unfortunately, they too still break upon hurricane large missile impacts and must be replaced. Don’t waste your hard earned dollars on gas filled units. The experts say that they lose some of their efficiency every year until they rank the same as unfilled units. (about 2% per year)

 

The Bottom Line

Do not let any window salesman tell you differently. The simple truth is that no matter how much you pay for them, hurricane impact glass windows break. They are a form of “sacrificial” hurricane protection. Sacrificial meaning that they give themselves up and are destroyed during the process of protecting against large or small missile impacts. If you have already had impact glass windows installed in your building, now is the time to protect them from any damage with Evolution Hurricane Shutters. You will still get the added energy advantages, as well.

Once again, the information in this post is based upon what I have gathered through internet research. If anyone has information that I have omitted about the topic of hurricane and impact rated windows, please comment.

*Multi-pane insulated glass units (IGUs) have long been questionable as to their reliability and ability to retain a seal. In my opinion, until a clear high quality front runner has been identified in the marketplace, the jury is still out as to which brand(s) of IGU impact windows are a good investment.

 

Check out the following links for more information:

http://chicagowindowexpert.com/2011/01/25/insulated-glass-seal-failure/

http://en.wikipedia.org/wiki/Thermopane

http://windows.lbl.gov/adv_Sys/hi_R_insert/default.htm

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!!

Image

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?