Home insurance provides financial coverage for incidents that are accidental and unintentional. This may include damage to the home's windows. However, there are limitations on when home insurance will replace a window. If you have a shattered window, here's what you need to know about filing a claim.
The Cause Of The Broken Window
Ultimately, home insurance may help cover damage to a window. However, it will depend on the cause. What caused the damage? Home insurance may help you find assistance in the wake of the following situations:
- Someone throws something at the window accidentally. For example, your child hits a baseball through the window. There should be no intention to damage the window by someone living in the home, however.
- A storm causes a tree branch to hit the window.
- Wind causes something to hit the window with force, shattering it.
These are some of the most common causes of window damage. However, most policies do not cover instances where negligence plays a role.
Here is an example. A tree branch hits the window as it is falling. The tree has damage from a previous storm. The tree's preexisting damage caused the fall, not the storm itself. As such, the window damage will likely not be covered.
Most commonly, negligence refers to poor maintenance and upkeep. Your home insurance policy might not pay for incidents result from preventable damage.
Another key concern relates to poor maintenance of the window. In general, home insurance does not cover the need to replace windows that are old or worn. If the windows have a broken seal, it is the homeowner's responsibility to repair them. And any instance where the windows need repair or replacement due to normal wear and tear does not have coverage.
Deductible Factors Are Important
Most home insurance policies include a deductible. This is the amount you, the policyholder, must pay towards any claim. A common deductible level is $1,000. If the damage to the window is valued at below this amount, the insurance company will not cover any of the loss. You must pay the initial deductible amount. This can make replacing a window through your home insurance coverage hard to do.
If you are unsure what your options are, contact your Prestige Insurance Group agent. They can tell you if you have insurance coverage. They will also tell you how much your deductible will be.
Do not clean up the damage from the window right away. Contact your agent first. They may need verification of what occurred. Photos can help document this information as well.