Hurricane Shutter Financing Options for NC and SC Homeowners
How to pay for hurricane shutters – financing programs, grants, insurance savings, and tax considerations for coastal homeowners.
Hurricane shutters are a significant investment, typically $2,000 to $15,000 for a full home depending on shutter type and number of openings. For many coastal NC and SC homeowners, understanding the financing options, available grants, and long-term savings makes the decision straightforward.
Financing Options
Home Equity Line of Credit (HELOC)
The most common financing method for hurricane shutters. Uses your home equity as collateral at lower interest rates than personal loans. Interest may be tax-deductible if used for home improvements.
Personal Home Improvement Loan
Unsecured loans available through banks, credit unions, and online lenders. No equity required. Rates vary by credit score. Typically 12 to 84 month terms.
Homeowners Insurance Escrow
Some homeowners roll shutter installation costs into their mortgage escrow account when refinancing, spreading the cost over the mortgage term.
Contractor Financing
AHS does not currently offer in-house financing, but we are happy to work with your lender and provide written estimates and product documentation for any application.
SC Safe Home Grant Program
Free Money for SC Homeowners
The South Carolina Safe Home program provides grants, not loans, to eligible SC homeowners for wind mitigation improvements including hurricane shutters. AHS is an approved SC Safe Home contractor. Visit our SC Safe Home guide or call (910) 256-1288 to find out if you qualify.
Insurance Premium Savings
Installing code-compliant hurricane shutters on all openings typically qualifies coastal homeowners for wind mitigation insurance credits. Many NC and SC homeowners see annual insurance savings of several hundred dollars after a wind mitigation inspection. For example, a full-home accordion shutter installation costing $8,000 might save $400 per year in insurance premiums. Over 20 years that equals $8,000 in savings, meaning the shutters effectively pay for themselves while also protecting against storm damage that could cost tens of thousands in repairs.
Are Hurricane Shutters Tax Deductible?
Hurricane shutters are generally not federally tax-deductible for most homeowners. However specific situations where a tax benefit may apply include rental properties where shutters may be deductible as a business expense, qualified home offices where the proportionate cost may be deductible, and HELOC financing where the interest may be deductible as home mortgage interest. AHS is not a tax advisor. Always consult a qualified CPA or tax professional for advice specific to your situation.
When to Buy for the Best Value
Hurricane shutter demand peaks in late spring and early summer. The best time to schedule installation is October through February when lead times are shortest. AHS accepts deposits to lock in current pricing year-round. Our 2026 price schedule is available on our cost calculator page.
Get a Free Hurricane Shutter Estimate
Complete the form below or call (910) 256-1288. Written quotes provided for financing applications. Family-owned since 2007.
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