Hurrican Shutters

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Posts Tagged ‘2014 Huricane season’

Hurricane 2014

Posted by cat5shuttersllc on January 27, 2014

Hurricane 2014

TSR predicts Atlantic hurricane activity in 2014 will be close to the long-term average. However, the uncertainties at this extended range are large. The precision of TSR’s December outlooks for upcoming Atlantic hurricane activity between 1980 and 2013 is low

The TSR (Tropical Storm Risk) extended range forecast for Atlantic hurricane activity in 2014 anticipates near-norm activity. Based on current and projected climate signals, Atlantic basin tropical cyclone activity is forecast to be close to the 1950-2013 long-term norm but about 20% below the recent 2004-2013 10-year norm. The forecast spans the period from 1st June to 30th November 2014 and employs data through to the end of November 2013. TSR’s two predictors are the forecast July-September trade wind speed over the Caribbean and tropical North Atlantic, and the forecast August-September 2014 sea surface temperatures in the tropical North Atlantic. The former influences cyclonic vorticity (the spinning up of storms) in the main hurricane track region, while the latter provides heat and moisture to power incipient storms in the main track region. At present TSR anticipates the SST predictor to have a small enhancing effect on activity and the trade wind predictor to have a small suppressing effect on activity.

So get your hurricane protection soon. Contact CAT 5 Shutters at 561-333-2285 or visit us on the web at www.cat5shutters.net

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Types of Huriccane Damage- Are you prepared?

Posted by cat5shuttersllc on January 22, 2014

Types of Huriccane Damage- Are you prepared?Hurricane Season in the Atlantic, Caribbean, and Gulf of Mexico is from June 1 to November 30. During hurricane season it’s important to stay alert for hurricane updates and storm forecasts. Hurricanes can change direction suddenly so it’s important to stay tuned to local weather reports from the National Hurricane Center.

If you own a home in the South Florida area, you should seriously consider protection from a natural disaster with hurricane shutters or impact resistant windows. Don’t Wait to Hire a Hurricane Shutter Contractor.

Below we offer a list of the most common hurricane damages outlined by Hurricane Insurance.

Broken Windows:
Windows are particularly susceptible to hurricanes both because of the wind itself and the debris the wind carries. Once windows are broken, your home could become much weaker and less resistant, sustaining even greater damage.

Roof Lifting:
When the intense winds from a hurricane strike a house, one of the first things to be hit hardest is the roof. Roofs with a low slope act similarly to a airplane wing, with strong winds actually lifting the roof from the house. If your roof goes, along with the joists that hold the tops of the walls together, your house could be done for.

Basement Flooding:
If your home has a basement or crawlspace, it can flood when the soil surrounding your home becomes too saturated with water, damaging any items you have stored there and making a mess of your foundation.

Blown in Garage Door:
Garage doors, because of their large size, can often fall victim to high winds. Once the garage blows in, winds will be able to enter your home, allowing wind pressure to fill the house and possibly blow it down from the pressure inside.

Moisture Damage:
Heavy rains and rising waters, if they do get into your home, can cause more than immediate damage. Mold can develop from moisture that gets into insulation and wood. Newer homes can benefit from mold resistant materials, but owners of older homes need to take action ensure that moisture never gets inside in the first place.

Damage from Landscaping:
If you live in a hurricane prone area, you’ll want to carefully consider your landscaping options and use trees and bushes that are more resistant to storm winds. Small gravel, weak tree branches, and other easily lifted things around your yard should be taken care of before hurricane season.

Destroyed Doors:
Your doors, like windows, are important part of keeping out the winds and rains that can damage the interior of your home and its contents. Doors that aren’t sturdy or properly secured are often blown open or even off their hinges, becoming a danger to you as well as the structure of your home.

Damage from Projectiles:
Chances are good that if you live in the tropical or near tropical areas that are particularly hurricane prone you have loads of stuff sitting outside for enjoying the weather. But BBQ grills, patio furniture, lawn ornaments, air conditioners and pool equipment can become deadly and damaging if left out in the high winds.

Lost Shingles and Roofing:
During a hurricane, your roof will be under constant force from the wind, and few roofing materials can withstand this kind of assault without sustaining some sort of damage. Newer shingles are designed to resist damage from impact and high winds, but if you can’t afford a whole new roof, you can make sure the one you have is properly secured.

Loss or Destruction of Personal Items:
While there may be no way around losing your personal belongings in a powerful storm, you can do your best to protect them. Raise your items off the floor to keep them from flood waters, especially if they’re stored in a basement.

Ruined In-Ground Pool:
Since pools are usually outside, they get the full force of what any hurricane has.

Blown Off Siding:
If you have a home with aluminum siding, you’ll want to do your best to protect it from the hurricane winds that are sure to give it a run for its money.

Missing Roof Turbines:
If you live in a house with turbines on the roof, it’s not likely that they’ll survive a storm with strong winds. This might not be a problem, except that once the turbines blow away, your roof is left with a hole in it, which can allow harmful amounts of water to enter your home.

Collapsed End Gables:
During a hurricane, the side walls of your roof, also known as end gables, will be taking quite a beating from the wind and rain, and if not properly reinforced, can actually collapse. Many homes will already have properly braced gables, but if yours does not, you can give them a hand by placing two 2x4s in an X pattern on both ends of the attic. If you don’t know much about construction, it will be best to have a professional contractor do this work for you.

Knocked Down Outbuildings, Carports and Porches:
Less sturdy buildings on your property will be hit hard by a hurricane and the ensuing winds. These structures can become airborne and potentially very dangerous if they’re knocked down during a storm. Reinforce these structures whenever possible and make sure porches are securely attached to your home.

Spoiled Food:
Because power frequently goes out during large storms and often doesn’t come back on for days, food can become spoiled quickly, especially in a warm environment. You can help save some of your food by turning your refrigerator and freezer to the coolest settings in the days before the storm.

Ruined Appliances:
Your appliances can be subject to a number of threats during a hurricane. Water damage may not always be avoidable with heavy appliances, but you should give your air conditioner and other appliances a lift. You should also unplug any major appliances once a storm hits. This will prevent shorting out if water comes in as well as destruction of electronic components if there is a surge when the power returns.

Fire Damage:
Water and electricity don’t mix, and shorts caused by downed wires or water entering outlets and electrical equipment can cause fires even in the dampest of environments. Wind can spread these fires quickly, compounding the problem. You can help avoid fires by unplugging all electronic devices in your home. If you are building a new home or revamping an old one, make sure that all electrical outlets and main electric components of your home are at least a foot above the floor.

Leaky Septic Tanks:
Flooding and ground saturation can often cause septic tanks to have trouble functioning, and power outages will disable any electric powered pumps on a tank, causing sewage backup into your home. There is really no way to avoid the ground saturation caused by flooding, but you can help reduce it by placing your septic tank in a well drained area. Providing backup electricity from a generator can also help after the storm if power is out for long periods.

Lost or Damaged Boats:
For many people living near the coastline, protecting a boat is an important part of hurricane preparation. Boats stored on land are much more likely to weather a storm successfully than those stored on the water. If you have to leave your boat in the water, secure it in a snug harbor, away from rocks and other damaging elements, with as many ties as possible keeping it in place.

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Home Insurance and Hurricane Protection Products

Posted by cat5shuttersllc on January 20, 2014

Home Insurance and Hurricane Protection Products

 

Homeowners insurance helps pay to repair or rebuild your home and replace personal property due to a covered loss.
 The term “homeowners’ policy” simply means you have a package policy that includes coverage (1) against the insured’s property being destroyed or damaged by various perils (causes of loss) and (2) coverage for personal liability exposures of the insured. A homeowners’ policy includes coverage for the residence premises, unattached structures, personal property and personal liability.

Insurance Tips To Prepare for Hurricane Season

Before hurricane season starts each year, you should review your insurance coverage with your agent. Insurance policies provided by the JUA are more expensive than those issued by other companies, but they are available as a last resort before a hurricane hits, if you don’t have homeowner’s insurance.
Other insurance companies may not want to provide insurance once a hurricane is within striking distance.
 Make sure you have adequate coverage, especially if you have made any additions to your home, have expensive items or have had you property value increase.
Check your policy for windstorm and flood coverage. Make sure your standard homeowner’s policy covers windstorm damage caused by wind or hail. Consider purchasing flood insurance if your home is in a flood zone as determined by the National Flood Insurance Program.
Since there is an automatic five-day waiting period for flood insurance, purchasing flood insurance should be done before hurricane season. Know what your policy does and doesn’t cover.

Review your policy for deductible, exclusion and coverage information including: relocation, temporary living expenses and personal injury. Standard homeowners’ policies usually limit coverage on valuable jewelry, silver and guns. Update your list of personal belongings.
Maintain a current room-by-room inventory, including: serial numbers, purchase dates and cost of valuables. If your home is damaged or destroyed, it will be hard to remember details. Since your insurance company may require proof of cost, attach receipts to the inventory list. Videotapes or photographs are a good way to document your personal inventory. Safeguard your records. Keep a copy of your policy and your inventory records in a safe deposit box. Make two copies; keep one in a fireproof home vault and give the other to a friend or relative. If your property is damaged, you will need quick access to this information.For more information on insurance coverage, call Florida’s toll-free Insurance Consumer Help line at 1-800-342-2762 or 1-800-528-7094.

HURRICANE PROTECTION PRODUCTS

Without protection, your home is at risk if a hurricane strikes. All windows and doors should be protected with products that meet the new building code. Shutters, windows and doors that meet strict hurricane resistance standards are classified as “hurricane protection products.”

In addition to new shutters, there are also hurricane-resistant windows and doors that provide protection without using shutters. These windows and doors seal against the rain and windblown debris. If hurricane-force winds happen to get inside the house, your roof will not survive. Roofs are not designed to withstand wind pressure pushing up from the inside. Since hurricane- force winds can come from any direction, it’s important to protect the entire house.

Contact CAT 5 Shutters LLC for all your hurricane protection needs. Call us toll free at 1-877-CAT-FIVE or visit uson the web at www.cat5hurricaneshutterswpb.com

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Quality Job by CAT 5 Shutters- Florida Keys

Posted by cat5shuttersllc on January 14, 2014

Quality Job by CAT 5 Shutters- Florida KeysCat 5 Shutters LLC is especially proud to offer the most advanced Hurricane Protection systems on the market today. Available in a wide array of designer styles and colors our easy to use hurricane shutters will add value to your property! Hurricane Protection, Hurricane Shutters, Storm Shutters, Window Shutters or Accordion Hurricane Shutters, whatever you call them we can do them. Below are some of the products we offer, take a look and let us know what we can do for you.

Accordion Shutters: Our Accordion Shutter system is one of the strongest in the industry, the blades in the open position only take up one inch per foot including uni-mate. We are the Manufacturer & Installer!

Bahama Shutters: Bahama shutters provide storm protection as well as sun protection. Available in three types from lightweight to Heavy Hurricane approved.

Colonial Shutters: Provide storm protection as well as cosmetic enhancement. Available in three types from lightweight to Heavy Hurricane approved.

Roll Down Hurricane Shutters: Are the most convenient and easiest system to operate. Roll down shutters will reduce your Air Conditioning costs and lower noise by up to 70% They also will protect your furniture’s exposure to direct sunlight. Available in Clear, White, Ivory Beige and Bronze.

Storm Panel Hurricane Shutters: Inexpensive hurricane protection. These steel or aluminum shutters attach to the walls around windows and doors on bolts or tracks. Storm panels are corrugated, and each piece overlaps the next for maximum strength. There are several styles of storm panels to choose from.

Roll Down Hurricane Screens: Fabric Based Hurricane Protection With Storm Catcher Roll Down Screen. Enjoy incredibly effective hurricane protection and the convenience of an electronically controlled or manually operated rolling hurricane screen system.

Stainless Steel Screens: Energy Savings and protection. Fort Security Storm & Door Systems will save you money on your electric bill on the window exposed to the sun. You may also be entitled to a discount from your insurance company. We are the first in the industry to pass the tough Dade County hurricane protocol. Offering 24/7 protection, no more worries for the last minute installation rush of cumbersome, heavy sharp edged or clear hurricane storm panels as the hurricane approaches.

Garage Door Braces: High quality aircraft grade aluminum. Lightweight (14 lbs). Incredibly strong. Telescoping design. Fits garage doors up to 8′ tall. 5 minute install. Even with shutters, if your garage door fails, the full force of the hurricane will enter your home and could possibly blow off your roof or otherwise seriously damage your home.

We do work in the following cities throughout Monroe County:  150 Velencia, Islamorada FL

Plantation Key, Islamorada, Key Largo, Ocean Reef, Tavernier, Marathon, Long Key, Cudjoe Key and Big Pine Key.

Here is another quality job done by CAT 5 Shutters:

Drive by any of our jobs we have done and take a look! If you would like to see a quality CAT 5 Shutter job in your area contact us and we will be happy to give you references. Once you see our quality work feel free give us a call to schedule your free estimate for your hurricane protection needs. Call toll free at 1-800-CAT-FIVE or visit us on the web at http://www.cat5hurricaneshutterswpb.com.

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2014 Hurricane Predictions Already..

Posted by cat5shuttersllc on January 13, 2014

2014 Hurricane Predictions Already..Now that the 2013 Hurricane Season has concluded we need to focus a step further down the road, the names, predictions and forecasts for the 2014 Hurricane Season.

The below names are chosen in advance by World Meteorological Organization with the names rotating every six years for reuse. There are exceptions when a name will be retired and a new name will appear within the six year cycle. You can read more here on the history of naming tropical cyclones and retired names
Updates will appear below as they happen prior to or during the 2014 hurricane season. Tracking for individual systems and tropical storms as well as hurricanes will occupy the area at the top of this article as activity starts during the season. In past years there has been some activity of tropical nature prior to and after the “regular” hurricane season window which runs from June 1st through November 30th.

2014 Hurricane Season Tropical Storm Names and Hurricane Names
Arthur
Bertha
Cristobal

Dolly
Edouard
Fay

Gonzalo
Hanna
Isaias

Josephine
Kyle
Laura

Marco
Nana
Omar

Paulette
Rene
Sally

Teddy
Vicky
Wilfred

Preparedness for Tropical Storms, Hurricanes and Natural Disasters.Keeping in mind some of the major damages done by tropical storms, hurricanes along with natural and man-made disasters, people need to be prepared in advance.
The best way to divert some of the difficulties found during such times, a Hurricane and Disaster Kit is something every home should have. By clicking the above link you will be able to view and read about what should be contained in such a kit. This kit sits in the author’s bedroom, readily accessible in times of such emergencies.
This type of kit will be a “need to have” item for events such as severe thunderstorms, floods, earthquakes and even war. This kit will be essential should something along the lines of an EMP (Electro-Magnetic Pulse) event take place, than can be solar or man-made.

Make sure your family plan is in motion. Protect your home and business from storms. Contact CAT 5 Shutters, LLC toll free at 1-877-CAT-FIVE or visit us on the web at www.cat5hurricaneshutterswpb.com. We offer free estimates, repairs and service on your hurricane protection.

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Lining up your contractors

Posted by cat5shuttersllc on January 8, 2014

Lining up your contractorsProfessional licensing is a means by which the state of Florida regulates professionals who can cause harm through the malpractice and misconduct of their trades. Some of the diverse professionals regulated by professional licensing are CPAs, realtors, architects, and contractors. Many construction tradespeople are regulated because their work, if performed incorrectly, can cause fire, flood, and collapse. But, because not every construction tradesperson requires a professional license, verifying his or her compliancy with these laws is a two-step process. First, you need to determine if the contractor’s trade is regulated by licensing. Second, if licensing is required, you need to verify that the contractor’s license is current and active. This information is readily available in the database maintained by Florida’s Department of Business and Professional Regulation (DBPR). To help ensure that you navigate to the state website, use the words “State of” in your search term. For example, the search terms “State of Florida DBPR” and “State of Florida contractor licensing” will prioritize DBPR as a search return. Once you navigate to DBPR’s website, you will see a link titled “Verify a License.” To determine what trades are regulated by professional licensing, click the dropdown menu under “License Type.” If a contractor requires licensing, you can then enter his or her name into the database to determine the license status. License complaints can also be viewed. Contractor insurance can also protect you from the harm that can befall you from unqualified practitioners. In construction, workers’ compensation insurance and general liability insurance are essential. A major difference between the two is that workers’ compensation covers the employees of a company while general liability covers the public affected by a company’s operation. In addition to personal injury, property damage may also be covered in a general liability policy. Because both types of claims can be costly, you must verify that a contractor has insurance and that the policy limits and terms are acceptable. Analysis of policies is best handled by your insurance agent, who will understand your business circumstances, as well as the complexities of insurance. But, you may want to perform some preliminary research before the experts step in. Using the Internet, you can verify a contractor’s workers’ compensation coverage with Florida’s Division of Workers’ Compensation. Authorized workers’ compensation exemptions can also be verified. This information is contained in a database that is readily marked and easy to use. To reach the state website, use a concise and accurate search term such as “State of Florida Worker’s Compensation.”

In contrast to workers’ compensation information that you can access through state government sources, you will need to verify the contractor’s general liability coverage with his or her insurance agent. You must request that the contractor have his or her agent mail you a certificate of insurance. This certificate contains important information about policy limits and special conditions, and it must be reviewed by your agent to ensure that you are adequately protected. For example, your agent can request that the certificate show if there are any exclusions, such as property damage, under the products/completed operations coverage form, as well as any exclusions related to uniquely hazardous construction activities, such as demolition. Your agent should explain the benefits of being listed as an “additional insured.” Although the government websites provides sound information about contractor insurance, frequent and comprehensive communication with your agent is essential.

Florida’s Secretary of State office has the important role of maintaining records. The Division of Corporations is a division with this office, and it maintains a business’s filings. The types of business entities include corporations, limited liability companies, partnerships, and sole proprietors doing business under an assumed, fictitious name. Because it is highly recommended that you contract with a business, in contrast to a person, you should ensure that the contractor’s company is in good standing with the state. In addition to verifying that the company is active, you can also view the date of registration to determine how long the company has been in business. Officers, directors, and registered agents are listed here.

Because owning a business and successfully running it are two separate matters, you may find the information held at the Building Departments useful. Building Departments are the state’s first line of defense against unlicensed and non-code-compliant work. Not only can the Building Department help you determine if a contractor meets the state’s requirements for licensing and insurance, it may also maintain a permit database that show the contractor’s customers and the inspection results. The Building Department may also have the blueprints and site plans used to construct your facility. If you are planning to alter your existing building, these documents may be helpful.

Qualifications and character

In addition to confirming that the contractor meets Florida’s requirements for contracting, it is also important that he or she meet certain standards of personal integrity. This is especially important when there are no state licensing and insurance regulations in place for the contractor’s trade. For example, Florida’s DBPR does not issue professional licenses to painters, flooring installers, and other tradesmen. Although referrals and references are essential (because you want an experienced contractor with a successful track record,) legal records can provide insight into a person’s possible criminal and civil offenses, such as fraud, drug abuse, and theft.
The Clerk of Court Office is the government office that performs court-related duties, such as the docketing and maintaining of civil and criminal records. Documents such as deeds, tax warrants, and claims of lien may also be recorded by the clerk’s office or at a separate office, such as the recorder’s or comptroller’s office. To get a general impression about a contractor’s legal history, you can read the docket entries, if records exist. To do a comprehensive search, look for records in the counties where the contractor works, lives, and maintains an office. You should also search using the contractor’s personal name and business name. When reviewing any legal information, strive for fairness and accuracy. Because legal information is often complex, you may want to seek counsel from an attorney.

Hope for the best, but plan for the worst.

As with any undertaking, preparedness improves your chances of success. When you are prepared, you can act purposefully and in a timely manner. Without forethought, your efforts are likely to be inefficient and can waste time and money. Finding qualified contractors to repair or remodel your building is a focused process that takes time to do properly. It is not a task to undertake when an emergency is at hand. With qualified contractors ready to go and an inclusive scope of work to guide them, your projects are more likely to be done correctly, on time, and on budget, even following a disaster.

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Lining up your contractors

Posted by cat5shuttersllc on January 8, 2014

Lining up your contractorsLicensed, insured, and in business.

Professional licensing is a means by which the state of Florida regulates professionals who can cause harm through the malpractice and misconduct of their trades. Some of the diverse professionals regulated by professional licensing are CPAs, realtors, architects, and contractors. Many construction tradespeople are regulated because their work, if performed incorrectly, can cause fire, flood, and collapse. But, because not every construction tradesperson requires a professional license, verifying his or her compliancy with these laws is a two-step process. First, you need to determine if the contractor’s trade is regulated by licensing. Second, if licensing is required, you need to verify that the contractor’s license is current and active. This information is readily available in the database maintained by Florida’s Department of Business and Professional Regulation (DBPR). To help ensure that you navigate to the state website, use the words “State of” in your search term. For example, the search terms “State of Florida DBPR” and “State of Florida contractor licensing” will prioritize DBPR as a search return. Once you navigate to DBPR’s website, you will see a link titled “Verify a License.” To determine what trades are regulated by professional licensing, click the dropdown menu under “License Type.” If a contractor requires licensing, you can then enter his or her name into the database to determine the license status. License complaints can also be viewed. Contractor insurance can also protect you from the harm that can befall you from unqualified practitioners. In construction, workers’ compensation insurance and general liability insurance are essential. A major difference between the two is that workers’ compensation covers the employees of a company while general liability covers the public affected by a company’s operation. In addition to personal injury, property damage may also be covered in a general liability policy. Because both types of claims can be costly, you must verify that a contractor has insurance and that the policy limits and terms are acceptable. Analysis of policies is best handled by your insurance agent, who will understand your business circumstances, as well as the complexities of insurance. But, you may want to perform some preliminary research before the experts step in. Using the Internet, you can verify a contractor’s workers’ compensation coverage with Florida’s Division of Workers’ Compensation. Authorized workers’ compensation exemptions can also be verified. This information is contained in a database that is readily marked and easy to use. To reach the state website, use a concise and accurate search term such as “State of Florida Worker’s Compensation.”

In contrast to workers’ compensation information that you can access through state government sources, you will need to verify the contractor’s general liability coverage with his or her insurance agent. You must request that the contractor have his or her agent mail you a certificate of insurance. This certificate contains important information about policy limits and special conditions, and it must be reviewed by your agent to ensure that you are adequately protected. For example, your agent can request that the certificate show if there are any exclusions, such as property damage, under the products/completed operations coverage form, as well as any exclusions related to uniquely hazardous construction activities, such as demolition. Your agent should explain the benefits of being listed as an “additional insured.” Although the government websites provides sound information about contractor insurance, frequent and comprehensive communication with your agent is essential.

Florida’s Secretary of State office has the important role of maintaining records. The Division of Corporations is a division with this office, and it maintains a business’s filings. The types of business entities include corporations, limited liability companies, partnerships, and sole proprietors doing business under an assumed, fictitious name. Because it is highly recommended that you contract with a business, in contrast to a person, you should ensure that the contractor’s company is in good standing with the state. In addition to verifying that the company is active, you can also view the date of registration to determine how long the company has been in business. Officers, directors, and registered agents are listed here.

Because owning a business and successfully running it are two separate matters, you may find the information held at the Building Departments useful. Building Departments are the state’s first line of defense against unlicensed and non-code-compliant work. Not only can the Building Department help you determine if a contractor meets the state’s requirements for licensing and insurance, it may also maintain a permit database that show the contractor’s customers and the inspection results. The Building Department may also have the blueprints and site plans used to construct your facility. If you are planning to alter your existing building, these documents may be helpful.

Qualifications and character

In addition to confirming that the contractor meets Florida’s requirements for contracting, it is also important that he or she meet certain standards of personal integrity. This is especially important when there are no state licensing and insurance regulations in place for the contractor’s trade. For example, Florida’s DBPR does not issue professional licenses to painters, flooring installers, and other tradesmen. Although referrals and references are essential (because you want an experienced contractor with a successful track record,) legal records can provide insight into a person’s possible criminal and civil offenses, such as fraud, drug abuse, and theft.
The Clerk of Court Office is the government office that performs court-related duties, such as the docketing and maintaining of civil and criminal records. Documents such as deeds, tax warrants, and claims of lien may also be recorded by the clerk’s office or at a separate office, such as the recorder’s or comptroller’s office. To get a general impression about a contractor’s legal history, you can read the docket entries, if records exist. To do a comprehensive search, look for records in the counties where the contractor works, lives, and maintains an office. You should also search using the contractor’s personal name and business name. When reviewing any legal information, strive for fairness and accuracy. Because legal information is often complex, you may want to seek counsel from an attorney.

Hope for the best, but plan for the worst.

As with any undertaking, preparedness improves your chances of success. When you are prepared, you can act purposefully and in a timely manner. Without forethought, your efforts are likely to be inefficient and can waste time and money. Finding qualified contractors to repair or remodel your building is a focused process that takes time to do properly. It is not a task to undertake when an emergency is at hand. With qualified contractors ready to go and an inclusive scope of work to guide them, your projects are more likely to be done correctly, on time, and on budget, even following a disaster.

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Hurricane Shutters is a solid investment

Posted by cat5shuttersllc on January 6, 2014

Hurricane Shutters is a solid investmentFloridians trying to save money on their home insurance premiums can guard against hurricanes at the same time. If you don’t have hurricane shutters installed yet, now is the perfect time. Insurance Claim Guides provides an excellent review why it is important to have hurricane shutters installed. If you have questions about types of hurricane shutters or looking to get a quick feedback, contact Cat 5 Shutters, professional installer of hurricane shutters in South Florida.

For coastal residents in areas hit by hurricanes (the “wind zone”), it is hard to tell what insurance companies want from you when it comes to protecting your home with shutters. If you are in a hurricane zone and do not yet have shutters on your home yet, you may want to consider doing them soon.

Mandated Shutter Installation. In Florida’s designated “wind zone” (nearly all of its entire coast) all homes over $300,000.00 in value must add shutters to any home improvement project that requires a permit as required by state law. For these same beleaguered home owners, the state sponsored Citizens Property Insurance (the largest insurer for these targeted homes) will deny any storm-related claims if shutters are not installed. Homeowners in Florida got the message loud and clear and obtained permits to add shutters. As a result of these measures, 700,000 Florida residents installed shutters and were qualified for a generous “wind-mitigation” insurance discount by installing high quality window shutters. Owners received up to $5000.00 in annual premium savings by protecting their homes with shutters that perhaps set them back about $10,000 to $25,000 dollars. The added protection plus the generous insurance premium discount allowed these Florida residents to feel they were making a safe investment. It really made sense at the time.

“Too many coastal residents are protecting their homes with shutters!”

(Yes, you read that right) Insurance companies, feeling pillaged by the number of wind-mitigation discount customers, despite a major hurricane not occurring for going on six years, are now claiming they are having financial difficulties. Should another major hurricane hit the region, well, there might not be money to pay out because too many people are getting their wind mitigation discounts, so insurance providers claim. Huh? Insurance companies will NOT pay storm claims if residents DON’T have shutters but CAN’T afford the very program they sponsor to make installation of them possible for thousands of home owners. Insurance Companies Make Money First, Protect Homes Second To mitigate financial damage to the company as a result of 700,000 homeowners mitigating damage to their homes during a hurricane, insurers cancelled thousands of higher-risk policies. And they increased insurance premiums, in some cases over 40%, to cover the $700 million in credits they applied to wind-mitigation discounts, which also included credit for roof improvements as well. And, to add insult to injury, insurance companies are now discussing drastically reducing the very credit that enabled a homeowner to invest thousands of dollars into their homes.

By reducing the wind-mitigation credit on homeowner policies, homeowner may not install the best protection and instead choose the minimum needed to gain a discount. Which, in turn, might not be good enough for a hurricane but who cares – the damage from a blown in window or a bad roof that flew off is covered, anyway, right? The State of Florida “shutters” at the thought of a repeat of 2005 hurricane season In 2005, Florida homeowners were paid $36 billion dollars’ worth of claims in the aftermath of eight major storms. The existing insurance coverage debacle threatens the very economy of the state should just one major hurricane hit. There are subsides of “up to $2500” to home owners available through Florida’s My Safe Home program, should the shutter installation requirement be extended to existing homes to help afford them. However, $2500 would generally buy very temporary, poor quality window protection, according to FLASH, a non-profit disaster protection agency in Florida, thus, would cost more than it would help in an extreme tropical storm situation.

What’s a Homeowner in hurricane regions to do about shutter protection? As it stands now, homeowners who are not seeking permits for home construction are not required to install shutters. That being said, without shutters, it is left up to the interpretation of the insurer to decide if appropriate and prudent measures were taken to secure the home given it is located in an area where hurricanes are known to cause damage. Just because good quality shutters are not required doesn’t mean they are not a good investment to protect your home! Should you invest in shutters?

Consider the following:

Strongly consider budgeting in other recommended storm protection measures such as roof improvements (get an expert opinion!) if you plan to go ahead with shutters. If your roof blows off, then the money spent on shutters would be wasted.
Review your homeowner’s policy for premium discounts for wind-mitigation – understand the requirements, what should be inspected and how to submit the claim for a reduction in your premiums.
Know exactly what your policy (policies) cover and doesn’t cover in storm/flood/wind situations and evaluate if time/money spent on such improvements make sense Investigate any state programs that offer subsidies or tax incentives for home improvements and follow the guidelines so you are eligible to benefit.
Before making a final decision, speak with local disaster-relief agencies, neighbors or others who have been through a hurricane in your area and get advice specific to your location. Your neighborhood might be protected from the wind but has issues with flooding whereas a mile down the road, it is the exact opposite.
Prioritize improvements to best protect your property! Document, document, document! Should a storm hit, have your paperwork ready to prove you spent money to protect your home and be sure your policy is able to completely replace any improvements you make.

Contact CAT 5 Shutters, LLC for all your hurricane protection needs. Call us toll free at 1-877-CAT-FIVE or visit us on the web at www.cat5hurricaneshutterswpb.com We offer free estimates.

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Hurricane Shutters is a solid investment

Posted by cat5shuttersllc on January 6, 2014

Hurricane Shutters is a solid investmentFloridians trying to save money on their home insurance premiums can guard against hurricanes at the same time. If you don’t have hurricane shutters installed yet, now is the perfect time. Insurance Claim Guides provides an excellent review why it is important to have hurricane shutters installed. If you have questions about types of hurricane shutters or looking to get a quick feedback, contact Cat 5 Shutters, professional installer of hurricane shutters in South Florida.

For coastal residents in areas hit by hurricanes (the “wind zone”), it is hard to tell what insurance companies want from you when it comes to protecting your home with shutters. If you are in a hurricane zone and do not yet have shutters on your home yet, you may want to consider doing them soon.

Mandated Shutter InstallationIn Florida’s designated “wind zone” (nearly all of its entire coast) all homes over $300,000.00 in value must add shutters to any home improvement project that requires a permit as required by state law. For these same beleaguered home owners, the state sponsored Citizens Property Insurance (the largest insurer for these targeted homes) will deny any storm-related claims if shutters are not installed. Homeowners in Florida got the message loud and clear and obtained permits to add shutters. As a result of these measures, 700,000 Florida residents installed shutters and were qualified for a generous “wind-mitigation” insurance discount by installing high quality window shutters. Owners received up to $5000.00 in annual premium savings by protecting their homes with shutters that perhaps set them back about $10,000 to $25,000 dollars. The added protection plus the generous insurance premium discount allowed these Florida residents to feel they were making a safe investment. It really made sense at the time.

“Too many coastal residents are protecting their homes with shutters!”

(Yes, you read that right) Insurance companies, feeling pillaged by the number of wind-mitigation discount customers, despite a major hurricane not occurring for going on six years, are now claiming they are having financial difficulties. Should another major hurricane hit the region, well, there might not be money to pay out because too many people are getting their wind mitigation discounts, so insurance providers claim. Huh? Insurance companies will NOT pay storm claims if residents DON’T have shutters but CAN’T afford the very program they sponsor to make installation of them possible for thousands of home owners. Insurance Companies Make Money First, Protect Homes Second To mitigate financial damage to the company as a result of 700,000 homeowners mitigating damage to their homes during a hurricane, insurers cancelled thousands of higher-risk policies. And they increased insurance premiums, in some cases over 40%, to cover the $700 million in credits they applied to wind-mitigation discounts, which also included credit for roof improvements as well. And, to add insult to injury, insurance companies are now discussing drastically reducing the very credit that enabled a homeowner to invest thousands of dollars into their homes.

By reducing the wind-mitigation credit on homeowner policies, homeowner may not install the best protection and instead choose the minimum needed to gain a discount. Which, in turn, might not be good enough for a hurricane but who cares – the damage from a blown in window or a bad roof that flew off is covered, anyway, right? The State of Florida “shutters” at the thought of a repeat of 2005 hurricane season In 2005, Florida homeowners were paid $36 billion dollars’ worth of claims in the aftermath of eight major storms. The existing insurance coverage debacle threatens the very economy of the state should just one major hurricane hit. There are subsides of “up to $2500” to home owners available through Florida’s My Safe Home program, should the shutter installation requirement be extended to existing homes to help afford them. However, $2500 would generally buy very temporary, poor quality window protection, according to FLASH, a non-profit disaster protection agency in Florida, thus, would cost more than it would help in an extreme tropical storm situation.

What’s a Homeowner in hurricane regions to do about shutter protection? As it stands now, homeowners who are not seeking permits for home construction are not required to install shutters. That being said, without shutters, it is left up to the interpretation of the insurer to decide if appropriate and prudent measures were taken to secure the home given it is located in an area where hurricanes are known to cause damage. Just because good quality shutters are not required doesn’t mean they are not a good investment to protect your home! Should you invest in shutters?

Consider the following:

Strongly consider budgeting in other recommended storm protection measures such as roof improvements (get an expert opinion!) if you plan to go ahead with shutters. If your roof blows off, then the money spent on shutters would be wasted.
Review your homeowner’s policy for premium discounts for wind-mitigation – understand the requirements, what should be inspected and how to submit the claim for a reduction in your premiums.
 Know exactly what your policy (policies) cover and doesn’t cover in storm/flood/wind situations and evaluate if time/money spent on such improvements make sense Investigate any state programs that offer subsidies or tax incentives for home improvements and follow the guidelines so you are eligible to benefit.
Before making a final decision, speak with local disaster-relief agencies, neighbors or others who have been through a hurricane in your area and get advice specific to your location. Your neighborhood might be protected from the wind but has issues with flooding whereas a mile down the road, it is the exact opposite.
 Prioritize improvements to best protect your property! Document, document, document! Should a storm hit, have your paperwork ready to prove you spent money to protect your home and be sure your policy is able to completely replace any improvements you make.

Contact CAT 5 Shutters, LLC for all your hurricane protection needs. Call us toll free at 1-877-CAT-FIVE or visit us on the web at www.cat5hurricaneshutterswpb.com. We offer free estimates.

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Home Protection

Posted by cat5shuttersllc on January 2, 2014

Home ProtectionEvery year, there are millions of people that invest in a new home, make updates to their current residence, and who are looking at incorporating hurricane shutters to their houses. Hurricane shutters are a great investment to those families that live in hurricane-prone areas or just want the added safety benefit of having them. Hurricane shutters can be the difference of having a safe home to come home to instead of a home that has been obliterated from a catastrophic hurricane. Lets evaluate the types of hurricane shutters available.

Florida Building code requires homes built as of about 1996 to have every window and door opening protected with a tested and approved impact resistant glass window, impact resistant door, or one of many hurricane protection devices (typically aluminum shutters like hurricane panels, accordion shutters, or rolling shutters). But, if your home was built before 1996, it may not have been designed or built with any hurricane protection in mind.

So, if you don’t have hurricane window protection for your entire home or you’re looking to upgrade to an easier-to-use or more attractive product, what are your options? How do you decide if Hurricane Panels, Accordion Hurricane Shutters, Impact Resistant Windows, or Impact Doors are the right choice for your home? Frequently, the final choice is a combination of these different products that fit your budget, the level of convenience you require, and the architecture or design of the structure.

Steel Florida storm panels and aluminum hurricane panels are going to be the least expensive option, but this cost savings comes at the expense of the time and labor required to install and remove them with every storm warning. It can take six hours or even more than a full day to install aluminum hurricane shutters on a larger home, so you must decide very early after a hurricane warning to start putting them up. Steel Florida storm panels and aluminum panels are usually stored in a garage and need to be carried around the house to each opening before installation. When hurricane panels must be installed on the second floor or higher, one or more ladders and a helper may be required. Unfortunately, many emergency room visits occur before and after storms from injuries sustained during hurricane shutter installation or removal. Most of these injuries are cuts that come from handling steel panels or a fall from a ladder or roof. Hurricane panels are a strong and code approved form of hurricane window protection, but the physical effort required to install them must be considered in your decision.

As a result, accordion shutters have become a very popular choice for aluminum hurricane shutters in Broward County. They are easy-to-use and still one of the more affordable options. Accordion storm shutters are permanently attached to your home and can be quickly deployed both upstairs and downstairs. Occasionally, a ladder may be required for those upper floor windows with fixed glass that don’t open or are inaccessible from the inside of a home. Accordion hurricane shutters are available in many colors that coordinate or compliment an exterior house paint scheme. But, accordions can affect the overall appearance of a home and are more noticeable around arched windows and highly visible areas like entry ways and patios. Even though all new accordion shutter systems should be tested to meet the current building codes, the quality and strength of these different products can vary widely.

Selecting an experienced company to design and install your accordion storm shutters is as important as the shutter itself.

Alternatively, many people may want to maintain or update the look of their home or may not be physically able to close accordion hurricane shutters or install storm panels. What if you’re out of town when a storm strikes without a neighbor or family member you can rely on to close or install your aluminum shutters? Impact glass windows and doors might be the answer.

For the ultimate combination of convenience and aesthetics, look no further than PGT WinGuard impact windows and impact resistant doors. While sometimes referred to as hurricane proof windows, these hurricane resistant windows and impact doors do not require hurricane shutters. Sandwiched between layers of glass, a tough center membrane is designed to stay intact in the event the hurricane window is impacted. PGT windows and doors are manufactured in Florida and North Carolina, and the company states that “more than two million WinGuard units have been installed with zero reported impact failures.” PGT windows and impact resistant doors are tested and certified to resist repeated impacts from flying debris, wind-driven rain, and the extreme pushing and pulling pressures exerted on a structure during a hurricane. Simply knock your fingers on the hard thick glass of an impact resistant window, and you’ll quickly see why they’re frequently called hurricane proof windows. Along with their hurricane resistance, hurricane windows also provide an increased level of security, energy efficiency, noise reduction, and UV protection. With all the benefits of hurricane resistant windows, their higher cost may be the only limiting factor.

So whether it’s hurricane shutters or hurricane windows, there is a solution that can be designed to meet your needs. This solution should take into consideration your home’s architecture together with your personal aesthetic preferences, budget, and physical ability now and in the future. Always consult with an experienced contractor prior to your impact window or hurricane shutter installation to determine if there are any architectural features that could limit your final product selection. Lastly, get a permit. Although building codes can vary by city, the installation of impact resistant windows and hurricane shutters in Broward County and Palm Beach requires the project is permitted and inspected by your local building department.

We hope you found these review points valuable in helping you select the right hurricane products to protect your home. For a professional advise and installation, contact Cat 5 Shutters today.
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