Not written by lawyer, for educational purposes only, consult lawyer for all legal questions
A single use Hurricane shutter is generally determined by the products Installation Instructions, which is a legal binding document. This document specifies sizes, spacing, materials for the construction, installation and use of a hurricane shutter. The use of the hurricane shutter can also be restricted by the manufacturing company within warranties . Once a hurricane shutter has been certified (FLorida Building Code # or Miami/Dade NOA) none of the restrictions of use can be changed without the product being re-certified. Only an additional legal document "Special Engineering" based on engineering concepts and calculations using the products certification and testing results can overide the Installation Instructions.
The "Use" restriction is placed in the "(Installation Instruction") to avoid known Ultra-Violet dedegradions of the hurricane screen shutter performance and capabilities beyond the "Installation Instructions" standards. Polypropylene (Used in most Hurricane Roll Down Screen Shutters) deteriorates rapidly when exposed to ultra-violet rays. The use of UV inhibiters Spray or mixed in the resin may slow the deterioration but it still deteriorates. Therefore the "use" of the product is normally restricted to tropical wind related conditions only and storage required during normal weather conditions.
Home Owners that purchase single "Use" hurricane shutters, place themselves with a possible financial jeopardy if they do not follow "Use" requirements of that products installation instructions. A insurance company profits from collection of fees, minimizing risks, and denying claims if the insuree contract has been compromised.
The state minimizes the home owners risk by certifing products.
The Home owner must comply with the installation instructions or the product could be classified as a non-certified product and possibly compromise the contract with the insurance company.
The Home Owners Insurance Company uses forensic testing, interviews, and visual inspections in qualifying claims. Insurance Companies can use forensic testing , material observations, and interviews to determine usage.
Custom Hurricane Products established in 2005. It has a 20,000 square foot facility is located in Bradenton Florida dedicated to hurricane product manufacturing. We are quality certified by NAMI.
Custom Hurricane Product demonstrate impacts of the SuperMax Hurricane Shutter for the public by appointment only.
Custom Hurricane Products is a dealer based Hurricane shutter Mfg that does not engage into retail hurricane product sales.