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Citizens of Florida to Require Hurricane Protection Beginning January 1 2009


Beginning January 1, 2009 single family homes located inthe Windborne Debris Area (WBDR), insured by Citizens, that have an insured value of more than $750,000.00 will be required to document the existence of FBC Approved hurricane protection before renewal; owners that fail to comply will be cancelled.

One of the many benefits of being a member of the International Hurricane Protection Association is, receiving important information in time to take advantage of niche market opportunities. In order to get a better understanding of how these changes will work and I am providing an overview of the new underwriting policy with particulars on the qualification steps, and consequesnces for non-compliance.

Q- What policies are affected?

A- Those in the WBDR with an insured value of $750,000.00 or more

Q- Isn’t that most of the the coastal property?

A- No, it is based on insured value of the structure not the market value of the property. Insured value is based on sq ft, materials, fixtures, and finishes so the structure would probably need to be larger than 5000 sq ft living area.

Q- What opening protection products qualify?

A- Any that have a Florida Building Code or Miami-Dade approval for Large Missile Impact Resistance (9lb missile test). Remember these are single family residential properties usually less than 30 feet mean roof height, small missile impact resistant products would not qualify.

Q- Don’t all opening require some type of protection?

A- In Miami-Dade and Broward counties (HVHZ) yes, outside the HVHZ only glazed openings are protected in compliance with the WBDR requirements in the Florida Building Code. For strucctures located outside the HVHZ, solid doors and garage doors are not required to be protected. It is highly recommended that these protected in order to qualify for the maximum discounts, and if the owner is shopping for another windstorm carrier, many require all openings to be protected rather than the minimum requirements for building code compliance. yho ushould educate the owner so they understand all of thier options.

Q- Does than mean  you have to use Miami-Dade Approved products in the HVHZ?

A- No, any Florida Building Code Approved product can be used as long as it is “Approved for use in the HVHZ” and meets the design pressure requirements for the location and mounting conditions used on the structure.

Q- Do all qulaifying properties have to complete the installation before January 1, 2009?

A- No, this affect qualifying properties at time of renewal after January 1, 2009.

Q- What is required to document that qualifying homes comply and can continue coverage?

A- A “Qualified” Wind Certification Inspection must be performed, impact protective devices must be labelled or the owner must provide documentation of compliance with FBC2001 or Miami-Dade Product Approval for Large Missle Impact Resistance.

Q- Can’t a shutter contractor “Qualify” their own work after they install shutters?

A- Yes but, you should be aware that insurers are checking the forms and new legislation is being proposed to make falsification of the forms, or obvious errors a felony. Contractors that self certify will be scrutinized for obvious reasons and if they only complete part of hte form homeowners may complete the rest and submit it under thier license number. We recommend using a third party independent inspection form to certify your installations. This not only relieves the installation of any associated liability, it provides a higher quality in the level of service contractors provide to thier clients.

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TESTIMONIALS

Alan R. - February 2017 - Montague, Michigan

Michael, this is Alan from Michigan we ordered 3 Rolling Shutters from you late last year.  We just installed them and the customer is very happy. Thank you, the quality of your shutters and ease of install made it enjoyable to use your product.

Bob O. - January 2017 - North Fort Myers, Florida

I received the Accordion Shutter delivery this evening....  No damage... How could there be any damage!!!!!? You packed the units so professionally!!!!!!!  It is a shame other companies do not pack their stuff as well.  Well done to the staff.....  Wishing you all the best.  


John C. - December 2016 - Port St. Lucie, Florida

The Accordion Shutters went in so easy.  OUrTown inspector passed them.  No problems.  The installation was a breeze. We love our new shutters and you can use us as a reference. Best regards..  John

Dan F. - November 2016 - Scituate, Massachusetts

The Accordion Shutter is up and great. Very easy to install.  I love it! Thank you.


Ray W. - October 2016 - La Porte, California

 I just wanted to thank you. We installed the five shutters this weekend and LOVE them!  The quality is better than I had expected and the fit and Finish was perfect. You will be hearing from more cabin owners here in the LaPorte CA area once they see these.  I have attached a photo of one of the windows, the two tone was a nice touch.
Again thank you!


Victor B. - September 2016 - Ft. Lauderdale, Florida


The Accordion Shutters turned out great,  passed inspection with compliments from the building inspector and the homeowner.
Thank you.


 Gary S. - August 2016 - Port St. Joe, Florida

The Bahama Shutters arrived safely Tuesday and they’re all ready installed. Thank you and I’m  looking forward to working with you in the future for the new home I plan to build on some new property I just purchased. Thanks again.


Joel P. - July 2016 - Cedar Key, Florida


The Bahama Shutters look great. I was concerned that they would be diffucult to put up but it was easy. Your product is high quality and beautiful! People in my neighborhood are asking me where to get them.  I will gladly be recommending your company to them and placing an order for the rest of my house soon.  Thanks for a wonderful product!! 


Michael M. - June 2016 - Merritt Island, Florida


Good Afternoon. I just wanted to show you photos of my back service door shutter on my garage that I just finished installing.  Because my job requires me traveling, I will not be able to do the (3) front windows for a little while later. Also without bothering him again, I wanted to send a BIG THANK YOU to Bill for his help & knowledge in guiding & educating me through this installation. I did as he told me to do and the results came out as he said that they would. Yessssssssssss👍👍👍👍👍😀😀😀😀😀😀😀😀😀😀
Thank you again

 

Thaddeus S. - April 2016 - Nassau, Bahamas

You all did an excellent job on my accordion shutters.  They went together like a simple puzzle.  I will be recommending you to my family members!


Doreen J – March 2016 – Grand Turk, Turks and Caicos


Hello I love my hurricane shutters and I also sent a picture. I will give other people your address as well.  Thanks for everything.
 

Jessica H. – February 2016 – Jacksonville Beach, Florida

We looooooooooooooooooooooooove our shutters!  I am so grateful you helped me with the measurements!  They look amazing!  Thanks again!

Fred M. – January 2016 – Corpus Christi, Texas 

Good morning.  We got the rolling shutters and everything went well with the installation.  I'd like to add them to my web page and market these. I was wondering if you could send me something, like a link and whatever i could use to link to my webpage?  Anything would help.

Tom W. - December - 2015 - Coos Bay, Oregon

I just wanted to let you know that your Rolling Shutters are fantastic. So far they have held up well against a very punishing Oregon coast weather that our beach gets hammered with in the winter. There is so much sand shifting that we actually have to own a Bobcat to move sand all winter long. If you want a testimonial just ask a few of us that have your shutters.

Louis E. - October - 2015 - Alliquippa, Pennsylvania

"I have installed the shutters on my OLD house in Pennsylvania, And I was very impressed with the quality of the Bahama Shutters,,Heavy Aluminum Powder coated finish...I won't have to get up there and every Paint these again.. Also I can leave the window open during a rain and not have to worry about the rain getting the house.. And the best thing the house stays nice and cool with out The Air Conditioner running.. I Love them.."

Brian M. - September - 2015 - Gulf Shores, Alabama

Michael, I wanted to thank you for all the time and information you gave me on the phone today regarding hurricane shutters for this project on the Gulf coast. Your expertise was evident and customer service excellent! As a licensed contractor myself, it is a pleasure doing business with a company such as yours. Keep up the great job!

Bill C. - August - 2015 Cabo San Lucas, Mexico


Thank you for very good service.  It is much appreciated!

David C. - July - 2015 - Maui, Hawaii

The Bahama Shutters have been received; just in time for our first storm....  Thanks to you, I am READY!!! 
Mahalo & Aloha

Gary F. - April - 2015 -  San Clemente, California

Just a note to thank all at Hurricane Shutters for a wonderful job. From start to finish your team was there to help guide me and delivered what you promised.

 Soams S. - February - 2015 - Orange Park, Florida

Wow!! My Bahama Shutters are very nice looking. I really like the shutter contrast color with my house!  Thanks to all your crew for all the hard work on my behalf. Your assistance and product are outstanding.  I love the shutters.  Thanks again for your great product support. I will send pictures soon. Please feel free to use me as a reference.

Patrick R. - January - 2015 - Long Island, New York

I Just had my Rolling Shutters installed (on 5 sliders) yesterday on our oceanfront beach house in New York where they will provide protection from Noreasters' and hurricanes. In addidtion, they will provide a solid measure of security! Thank you all at Empire for a job well done!

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PRODUCTION TIME
Accordions : 7 - 10 Days
Bahamas/Colonials : 2 - 3 Weeks
Clear Panels : 3 - 5 Days
Hurricane Fabric : 10 - 14 Days
Impact Windows : 6 - 8 Weeks
Roll-Downs : 10 - 14 Days
Storm Panels : 3 - 5 Days

 

 


 

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