TLDR:
- Impact windows offer 24/7 protection and energy savings.
- Hurricane shutters are more affordable but require prep.
- Windows often reduce insurance premiums more.
- Accordion shutters are convenient but less durable.
- Best choice depends on budget, location, and prep time available.
When it comes to storm season, homeowners face a big decision: impact windows vs hurricane shutters. Both offer protection from strong winds and flying debris, but which one is the better investment for your home? This guide explores the pros and cons of each option, including cost, performance, aesthetics, and long-term value.
What Are Impact Windows?
Impact windows, sometimes called hurricane impact windows, are specially engineered windows made with impact-resistant glass. They consist of two panes of glass bonded with a tough interlayer, typically polyvinyl butyral (PVB), which prevents shattering even when struck.
Key Benefits:
- Always-on protection
- Improved energy efficiency
- Lower insurance premiums in many regions
Installing impact windows not only helps during hurricane season but also provides year-round noise reduction, UV protection, and added security against break-ins.
What Are Hurricane Shutters?
Hurricane shutters are protective coverings installed over your existing windows before a storm hits. There are several types of hurricane shutters, including:
- Accordion shutters (permanently attached and fold out manually)
- Roll-down shutters (mechanized or manual)
- Storm panels (removable and stored when not in use)
- Bahama and colonial shutters (stylish options that offer partial protection)
Advantages:
- Lower initial cost
- Can be installed as needed
- Some options double as decorative features
However, shutters require regular maintenance, and deploying them can be time-consuming.
Performance in Storm Conditions
When comparing hurricane impact windows vs hurricane shutters, performance is key.
- Impact windows are always in place and meet modern building codes in hurricane-prone areas.
- Hurricane shutters must be manually closed before the storm and offer protection only when deployed correctly.
In head-to-head tests during storms with high winds and flying debris, both perform well if properly installed. But for convenience and peace of mind, windows have the edge.
Cost Comparison
Let’s break down the cost of hurricane shutters vs impact windows:
Impact Windows:
- Average cost: $3,750 to $5,350 per window
- Includes materials and labor
- Higher upfront investment, but adds to home value
Hurricane Shutters:
- Accordion shutters: $15 to $25 per square foot
- Roll-down: $25 to $55 per square foot
- Storm panels: $7 to $15 per square foot
While shutters win on price, they lack the additional benefits of impact-resistant glass, such as energy savings and burglary protection.
Pros and Cons
Impact Windows Pros:
- Year-round storm protection
- No setup required
- Energy efficient and secure
- Boosts curb appeal and resale value
Impact Windows Cons:
- Higher upfront cost
- Permanent and not removable
Hurricane Shutters Pros:
- Budget-friendly
- Can be removed or upgraded
- Multiple style options
Hurricane Shutters Cons:
- Require time to install before a storm
- Maintenance required
- No year-round benefits
Accordion Shutters vs Impact Windows
Accordion shutters are among the most popular types of shutters because they’re easy to use and cost-effective. However, when comparing accordion shutters vs impact windows, it comes down to convenience vs performance.
Accordion shutters need to be manually closed before each storm, and over time, they may become difficult to operate. In contrast, impact windows require no action from the homeowner and provide constant protection.
Which Is Better for Insurance Premiums?
Many insurance companies offer discounts for both impact windows and shutters, especially when they meet Florida’s stringent codes.
That said, installing impact windows often results in deeper discounts because they provide permanent protection. Plus, they eliminate the risk of forgetting to close shutters before a storm.
Final Verdict: Impact Windows vs Shutters
The choice between impact windows vs shutters comes down to budget, convenience, and lifestyle. Here’s a quick summary:
Choose Impact Windows If:
- You want 24/7 protection without needing to prepare
- You’re looking to increase energy efficiency and home value
- You want to lower your insurance premiums long term
Choose Hurricane Shutters If:
- You need a more affordable solution
- You’re handy and don’t mind the prep work
- You like the flexibility of removing or changing styles
The Bottom Line
Whether you choose impact windows or hurricane shutters, the most important thing is to protect your home against storm damage. Both options offer strong hurricane storm protection, but impact windows are often the better all-around solution for homeowners seeking long-term safety, convenience, and value.
Before making a decision, evaluate your location, budget, and how much time you’re willing to spend preparing your home each time hurricane season rolls around. In the end, investing in quality storm protection gives you peace of mind when the next big storm hits.
