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Homeowners’ Insurance Required Discount for Hurricane-Resistant Shutters and Hurricane-Resistant Windows and Doors
New York State Department of Financial Services · State program
Insurance premium discount; amount not stated
New York requires insurers to give homeowners a discount when they install hurricane-resistant shutters or hurricane-resistant windows and doors that meet the insurer’s standards. The state also says insurers may offer additional discounts for other loss-mitigation devices, but only the hurricane shutters/windows/doors discount is clearly required.
Program details
How it works
New York’s Department of Financial Services says insurers must provide homeowners’ insurance discounts for hurricane-resistant shutters and hurricane-resistant windows and doors. The department also tells homeowners to check with their insurer before upgrading so the materials and installation meet the requirements for the discount.
What the money covers
This is an insurance premium discount, not a grant or rebate. It applies to qualifying hurricane-resistant shutters and hurricane-resistant windows and doors.
Amounts and matching
The official page does not state a dollar amount or percentage. It only says the discount must be provided if the installed materials meet the carrier’s requirements.
How to apply
Homeowners should contact their insurer or insurance broker and review their policy to confirm which upgrades qualify. The state also notes that some insurers may offer additional savings for devices that reduce risk.
Timing and deadlines
The official page does not list an application deadline. The benefit is available when the qualifying improvements are installed and recognized by the insurer.
Full eligibility details
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