I got the accordian shutters. It takes Rose less than 10 minutes to button up the house. I would have went with the steel panel type but didn't want to depend on paying someone to put up and take down.I don't have an HOA. But still got warned about keeping up my hurricane shutters on too long by local code enforcement after someone dropped a dime on me.
Most of the homes in my area had shutters on. A storm had just passed and it was the middle of hurricane season.