Policyholder Info




Important Notices

CONNECTICUT

HURRICANE PROTECTION - MINIMUM REQUIREMENTS

One of the following must be installed, or if plywood shutters are chosen, available on the premises to be installed, on all window, door and garage openings:

1. Plywood Shutters: Anchorage hardware must be installed and plywood must be pre-cut and stored in a dry and secure place. Patrons will require pictures of stored plywood and anchored hardware.

2. Impact Resistant Glass only: laminated or tempered. Proof of installation is required.

3. Basic Storm Shutters: All openings must be protected to meet the requirements of the American Society for Testing and Materials (ASTM) standards ASTM E 1886 and ASTM E 1996 for small missile impact testing (4.5 pounds). Proof of installation is required.

4. Hurricane Storm Shutters: All openings must be protected to meet the requirements ASTM E 1886 and ATME E 1996 Standard Building Code SSTD-12 for large missile impact testing (9 pounds) or Florida Building Code’s Test Protocol for HVHZ (High Velocity Hurricane Zone) TAS standards TAS 201, TAS 202, and 203. Proof of installation is required.

For protection systems that meet the testing standards of the American Society for Testing and Materials or Florida Building Code’s Test Protocol for HVHZ TAS standards, Patrons will require proof from the manufacturer that the protection system meets the required standard.

RHODE ISLAND

HURRICANE PROTECTION – MINIMUM REQUIREMENTS

Plywood Shutters
Plywood shutters cut to fit over all window and door openings. Installation must meet Institute for Business and Home Safety (“IBHS”) standards and the plywood must be pre-cut, in good condition and stored onsite in an accessible, dry and secure location on the property. Anchorage hardware must be pre-installed on all window and door openings. Patrons will require pictures of stored plywood and anchored hardware.

Permanent storm shutters or hurricane glass are acceptable alternatives to plywood shutters. Patrons will require that the installation be subject to inspection and/or that satisfactory proof of installation be submitted.

MASSACHUSETTS

WINDSTORM PROTECTION - MINIMUM REQUIREMENTS One of the following must be installed, or if plywood shutters are chosen, available on the premises to be installed provided the hardware to put up the plywood shutters is installed, on all window, door, and garage openings. Patrons will require proof of paid receipts from contractors of completed work (if mitigation measures have been installed by a contractor) or photos of precut stored plywood and the installed anchorage hardware (if plywood shutters are to be used).

Aluminum or Steel Storm Panels

  • A licensed contractor following the manufacturer’s guidelines must perform installation.
  • Aluminum panels must be a minimum thickness of 0.04”.
  • Steel panels must be a minimum thickness of 20 gauge.
  • Pins, not clips, must be installed for panels using tracks.
  • Panels mounted without tracks must be bolted to the building.
  • All fasteners must be corrosion resistant.
  • The system has been tested by an independent laboratory and has been found to withstand pressure loads equivalent to 120-mph winds.
  • Accordion Shutters

  • A licensed contractor following the manufacturer’s guidelines must perform installation.
  • The system has been tested by an independent laboratory and has been found to withstand pressure loads equivalent to 120-mph winds.
  • Roll Down Shutters

  • A licensed contractor following the manufacturer’s guidelines must perform installation.
  • Shutters operated by an electric motor must also have one manual crank system per floor to be used during a power failure.
  • The system has been tested by an independent laboratory and has been found to withstand pressure loads equivalent to 120-mph winds.
  • Colonial/Bahama/Awning or “Clam Shell” Shutters

  • A licensed contractor following the manufacturer’s guidelines must perform installation.
  • Must be equipped with storm bars to prevent opening or lifting during a storm.
  • All fasteners must be corrosion resistant.
  • If the shutter is louvered (i.e., allows air to pass through) it must have 1/2” plywood, 1/4” Lexan or a 0.040” aluminum sheet affixed to the face of the shutter when closed.
  • The system has been tested by an independent laboratory and has been found to withstand pressure loads equivalent to 120-mph winds.
  • Plywood Storm Panels

  • Minimum 5/8” thickness.
  • Must not be used on openings greater than 8’ x 4’. The plywood must overlap the opening by 4” on each side.
  • Must be pressure treated to resist moisture damage and stored inside.
  • All panels must be pre-cut, pre-drilled and labeled for ease of installation. Four 1/4” holes must be drilled in the center area of each panel to relieve pressure during a hurricane.
  • Plywood panels up to 3’ by 4’ must use 1/4” bolts that have contact with the wall anchor of at least 1 & 1/4” frame and masonry walls. Larger sheets of plywood require 3/8” bolts that have contact with the wall anchor of at least 1 & 3/4” on frame walls and 1 & 1/2” on masonry walls.
  • The building must be pre-drilled for wall anchors. The anchors and corresponding bolts must be kept in the wall at all times. The holes for the bolts must be 2 & 1/2” from the edge of the plywood at intervals not greater than 12”.
  • All bolts and wall anchors must be corrosion resistant.
  • Impact Resistant Glazing

  • Impact resistant glazing such as Lexan™ by General Electric, SentryGlass™ by DuPont and Saflex™ by Monsanto are acceptable alternatives to traditional window protection when:
  • A licensed contractor following the manufacturer’s guidelines performs installation.
  • The glazing is framed and attached to the building with means specified by the manufacturer.
  • The system has been tested by an independent laboratory and has been found to withstand pressure loads equivalent to 120-mph winds.
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