September and October are the heart of hurricane season in South Florida, and every year I see the same avoidable damage. Whether you've owned your home for years or just moved in, this short list is worth an afternoon. 1. Know your shutters — and test them now If your home has accordion or panel shutters, open and close them once before a storm is named. Panels that haven't moved in three years have a way of seizing exactly when you need them. Missing panels or hardware are