When hurricane season approaches, many Florida homeowners delay storm protection upgrades because they’re focused on immediate expenses. It’s common to think, “I’ll deal with it later.”

Unfortunately, that decision can become far more expensive after a storm.

The cost of replacing windows after a hurricane can quickly add up when you factor in broken glass, water damage, emergency repairs, and insurance deductibles. Installing hurricane shutters now may be a far more affordable option than dealing with storm damage later.

Here’s what homeowners should consider before taking the risk.

Table of Contents

1. How Windows Typically Fail During Hurricanes
2. Average Window Replacement Costs
3. Additional Damage Costs After Window Failure
4. Insurance Deductibles Can Be Expensive
5. The Cost of Installing Hurricane Shutters
6. Long-Term Benefits of Shutters
7. Why Waiting Can Cost More

1. How Windows Typically Fail During Hurricanes

Windows often fail because of:

• Flying debris
• Broken seals
• Wind pressure
• Improper installation
• Aging materials

When windows break during a storm, the damage usually extends beyond the glass itself.

According to the Federal Emergency Management Agency, broken windows can allow wind and water to enter your home, increasing structural damage risks.

2. Average Window Replacement Costs

The cost of replacing windows after a hurricane varies depending on:

• Window size
• Frame materials
• Glass type
• Labor costs
• Emergency demand after storms

Many homeowners pay anywhere from several hundred to several thousand dollars per window depending on damage severity.

If multiple windows fail, expenses rise quickly.

3. Additional Damage Costs After Window Failure

Broken windows often lead to additional expenses such as:

• Water damage repairs
• Drywall replacement
• Flooring replacement
• Mold remediation
• Furniture replacement
• Electronics damage

Water entering through broken windows can create long-term problems that far exceed the original repair.

The Insurance Information Institute offers helpful resources about hurricane-related property damage costs.

4. Insurance Deductibles Can Be Expensive

Many Florida homeowners are surprised by hurricane deductibles.

Unlike standard homeowner deductibles, hurricane deductibles are often based on a percentage of your home’s insured value.

For example:

• A $400,000 home
• 2% hurricane deductible
• $8,000 out-of-pocket before insurance helps

That’s often more than the cost of installing shutters.

5. The Cost of Installing Hurricane Shutters

Hurricane shutter pricing depends on:

• Home size
• Number of openings
• Shutter style
• Materials
• Installation complexity

Common options include:

• Accordion shutters
• Roll-down shutters
• Storm panels
• Bahama shutters

Many homeowners find shutter installation costs far less than major storm repairs.

6. Long-Term Benefits of Shutters

Installing shutters now may provide value beyond hurricane season:

• Storm protection
• Increased home security
• UV protection
• Potential insurance discounts
• Increased home value

Shutters can protect your home year after year.

7. Why Waiting Can Cost More

After major storms:

• Contractors become booked
• Material costs may rise
• Insurance claims increase
• Repairs may take months

Homeowners who prepare early often avoid these challenges.

The National Hurricane Center tracks active storms and helps residents stay informed.

Is Installing Shutters Worth It?

For many Florida homeowners, the math is simple:

One storm can create thousands—or even tens of thousands—of dollars in damage.

Installing shutters now can help reduce risk and protect your home before hurricane season intensifies. Shutters can give protection for years to come!
APS Hurricane Protection gives the following estimates for how long your shutters should last with proper operation and maintenance:

• Roll-downs: 15-20 years
• Accordions: 8-12 years
• Bahamas and Colonials: 12-15 years
• Aluminum Panels: Lifetime of your house
• Clear Panels: Can last longer than aluminum if not left up constantly
• Hurricane Fabric with ceramic coating: 18-20 years
• Roll-down Impact Screens: 15-20 years

Do you think the investment is worth it?

Final Thoughts

The cost of replacing windows after a hurricane often goes far beyond replacing broken glass.

When you add water damage, deductibles, repairs, and stress, proactive hurricane protection often makes much more financial sense.

APS Hurricane Protection helps homeowners find storm protection solutions that fit their homes and budgets before the next storm arrives. Take a look at our Product page or Gallery to see the options we offer!