If you own a home, there’s a good chance that one of your windows will get broken, and you’ll need a replacement. While this may be a relatively common repair, it can still be expensive. Because of this, many homeowners consider making a claim against their homeowners insurance policy to cover window replacement costs.
Your insurance will likely pay for the damages, depending on how it was broken.
Cause of Damage
Your insurance policy only provides coverage in certain situations, so the manner in which the window broke can affect how you’re able to make a claim. In a named-peril policy, it covers losses by perils that are listed in the policy so your broken window may be uncovered depending on the situation.
Meanwhile, an open-peril policy covers damage caused by many different types of risks to the insured property. If you have this type of policy, you’re more likely to be covered unless it specifically excludes the cause of damage.
Wear and Tear
Your homeowners insurance doesn’t include coverage for standard wear and tear because window maintenance is your responsibility. Of course, it can still affect the way your insurer views your claim. For instance, if your window breaks during a storm because a branch blew into it, you’ll be covered. If it breaks because water seeped in through neglected seals and cracked the pane when it expanded as it froze, your insurer will cite wear and tear as the cause of the broken window and not the weather. You’ll end up having to shoulder the costs yourself.
Paying the Deductible
Even if the cause of your broken window falls under the coverage of your homeowners insurance, there’s still a chance you won’t be able to make a claim. For instance, if you have a high-deductible policy to lower your premiums, and the cost of replacing the window is relatively low, the amount of the replacement might not exceed your deductible. In this case, whether or not your policy covers the damage is questionable, and your insurance provider might not accept your claim.
When you need an expert on windows and French doors, there’s only one company you can trust. Call Renewal by Andersen® of Amarillo at (512) 270-6611, or fill out our convenient online request form to get started. Talk to us today!