Installing hurricane shutters. Do I need a city permit?

I have a property in miami Florida. In the city of miami. I need to install window shutters to get a discount on my property.

My question(s).

1. Do I need a permit to install a window shutters?

2. Hiring a company and they tell me they don’t need permit but I’m guessing I will need to present some documentation to the insurance for proof that I have shutters. So what do I need to provide?

3. Anyone ever had any experience with shutters and insurance. What do I need to look at? What can I do to ensure I get a discount?