Hurricane Shutters - Pensacola Fishing Forum

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Old 04-24-2013, 06:22 PM   #1
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Default Hurricane Shutters

Hurricane season is less than 6 weeks away now. Call today for a free quote. In many cases you could receive a discount on your homeowner's insurance if you have storm shutters. Also, if your house was built after 2002 and before 2010, you may not qualify for the local fema program but I can pull your permit and have the metal type shutters installed in a matter of days. Fabric, bahama, accordian, colonial take a little longer to get in stock. In order to receive the discount, the first thing your insurance co will ask for is a permit. Be sure whoever you call is licensed, pulls a permit, has inspections completed with city or county, and has w/c and general liability.

Fabric Shield
Steel Panels
Aluminum Panels
Accordian
Bahama
Colonial

Humphreys Building Contracting, Inc
Fred Humphreys
License #CBC1254107
[email protected]
850 777 1478
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Hurricane Shutters-dscn2555-jpg   Hurricane Shutters-dscn2557-jpg   Hurricane Shutters-4-17-13-012-jpg   Hurricane Shutters-dscf3065-jpg   Hurricane Shutters-dscf6195-jpg  

Hurricane Shutters-dscf3191-jpg   Hurricane Shutters-dscf3166-jpg  

Last edited by Too Tall 2; 05-02-2013 at 08:48 PM.
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Old 04-30-2013, 07:41 PM   #2
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http://www.crownweather.com/?page_id=7332
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Old 05-01-2013, 09:43 PM   #3
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Good reason to be prepared with some type of hurricane shutter protection.

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Old 05-02-2013, 09:27 AM   #4
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Fred's an honest Local Contractor. He's a 5th generation native of Pensacola and is very reputable. I should know. I am his brother and work with him every day !! We have shuttered probably 1000 homes in Escambia \ Santa Rosa Counties. I doubt there is any shutter installation company that can beat our prices and service.

Arthur Humphreys
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Old 05-02-2013, 10:17 AM   #5
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Old 05-02-2013, 10:28 AM   #6
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Anything to get the insurance rates down is a good thing in this state. Insurance is crazy.

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Old 05-02-2013, 01:53 PM   #7
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Old 05-02-2013, 01:56 PM   #8
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Fabric shield.
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Old 05-02-2013, 02:02 PM   #9
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You had it correct Too Tall 2. Chubb was just one of the first ins. companies to go this route. I personally received a 15 page document explaining the policy. The other companies were a bit slow out of the gate to implement this. It was their way to reduce windstorm risks in hurricane prone areas. I can't tell you how many ins. agents were not and are not aware of this little bit of info. Since Florida law required them to provide discounts for 'rated' shutters the ins. companies sought to lessen their risk. Remember, a named storm starts at TROPICAL STORM, not Cat 1. Fla Stat 627.0629 I believe. Carry on
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Old 05-02-2013, 02:32 PM   #10
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I've been an Agency owner here in the Panhandle for going on 20 years and worked for another agency for 5 before that and I can tell you that not a single fact you stated in the original post pertaining to deductibles is accurate. I'm not saying you do bad work or are a bad guy just that an insurance policy is a binding contract between you ( The Insured) and the carrier ( who is re insured two times after what they insure you for.

The standard and percentage deductible on 99.99% of policies is 2%. You CAN raise that from 2% to excluding wind all together. Shutter and any other kind of opening protection can give you a discount on the WIND PORTION only of your Homeowners policy but in no situation at any time after the first 60 days of your policy being in force can the carrier change a damn thing about your policy without your written authorization, PERIOD. As a matter of fact, Gov Crist made it so no company can cancel your policy for ANY reason after that 60 days during Hurricane season including Non Payment.

Again, I encourage everyone to get hurricane protection, and from this cat here if he does good work, but wanted to throw a bit of actual facts at yall. Not that it matters but if the whole part of the post that mentions deductibles was not in the post , we all know what is need to protect our homes in a storm and window covers of any kind are a great idea.
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