Impact Windows vs Hurricane Shutters: Which Is Better?

Florida homes need protection for windows and doors during hurricanes. The two main choices are impact resistant windows and hurricane shutters. Both can meet building code; the right one depends on your budget and how you live.

Impact windows

Impact windows use laminated glass that may crack in a strike but stays in the frame, plus reinforced frames.

Pros

• Always on: nothing to put up or take down before a storm.
• Year round benefits: better security, less outside noise, and often better energy efficiency.
• Insurance savings: opening protection can qualify for wind mitigation discounts.
• Light and views during storms.

Cons

• Highest upfront cost.
• Permits and install time for whole house replacement.

Hurricane shutters

Shutters cover existing windows during a storm. Common types:

• Storm panels (aluminum or polycarbonate): lowest cost, but you must store and install them each time.
• Accordion shutters: fixed beside the window and pulled closed. Quick to use.
• Roll down shutters: close with a crank or motor. Most convenient, highest shutter cost.
• Bahama and colonial shutters: decorative and functional.

Pros

• Lower cost than replacing all windows, especially panels.
• Can also qualify for insurance discounts when rated.

Cons

• Someone has to close them before the storm, which is hard if you travel or for older homeowners.
• Dark house during the storm.
• Panels need storage space.

How to decide

• Tight budget: storm panels or accordion shutters.
• Often away, or cannot install panels: impact windows or motorized roll downs.
• Old, drafty windows anyway: impact windows solve two problems at once.
• Selling soon: impact windows are a strong selling point in Florida.

Insurance and code

Ask your agent about a wind mitigation inspection after the work. Products must be approved for Florida, and homes in high velocity hurricane zones such as Miami-Dade and Broward have stricter requirements. A licensed contractor should pull the permit.

Frequently asked questions

Do I need shutters if I have impact windows?

No. Rated impact windows are the opening protection.

Can I mix both?

Yes. Many homeowners start with impact doors and large windows and use shutters elsewhere.

Post your window or shutter job to get bids from licensed local installers, or find a window pro near you.