by 
GailDY
ANSWERS: 3
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I'm thinking this might be up to the individual HOAs, and may further be dependent on where you live. I wouldn't think HOAs in Florida or Georgia would have such restrictions, although you may find them in Kansas or Oklahoma.
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If your HOA has restrictions on the use of hurricane shutters or is allowed to create such a rule, then the answer is YES. But it's not just your HOA you have to be concerned about, Florida Building code also prohihits you from closing off certain rooms with a hurricane shutter when the house is occupied. Additionally, if the hurricane panel does not meeting Florida building code specificiaions it can only be used temporarily during the immiment threat of a hurricane.
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First there is no Florida building code that prohibits you from closing off windows with a hurricane shutter when there is no immanent threat of a storm and the house is occupied. Association bylaws can not stop you from protecting your property. The courts have ruled time and again in favor of the resident when it comes to shutter deployment. The recent 'no-name' storm that hit the Florida gulf without warning is a perfect argument. If your association has fines for deployment - then they assume the risk of loss. Your shutters should provide egress in the event of a fire - for local fire codes.
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