Many of us have seen a movie or two in which a neighborhood child hits a baseball through the window of the neighbor's home. The kids run. Then, they have to tell their parents. The good news is most home insurance policies will offer protection in these situations.
Your front door and windows are a part of your home. As a result, they likely have coverage under your policy. Still, that coverage includes only unexpected and unavoidable instances of damage.
Consider the following questions.
What Caused the Damage?
Home insurance coverage for windows and doors depends on the cause of the damage. Insurance does not cover damage from normal wear and tear. It also does not cover damage from poor maintenance and upkeep. Here are some examples of when it may offer coverage to you:
- Someone accidentally shatters the door by throwing something at it. As long as it was accidental, coverage often applies.
- The door or window pane shatters as a result of something hitting it, such as a tree branch falling in a storm.
- Damage occurs as a result of vandalism or theft.
If the door has damage from air leaks due to poor sealing, your policy is unlikely to cover it. That said, some property owners may have a warranty on their existing windows. If you have a warranty, be sure to speak to the manufacturer about related damage.
What Will The Policy Cover?
If an incident occurs and your home insurance covers it, be sure to let your Prestige Insurance Group agent know. Your agent will help you get an estimate for the repair work. Some agents will also help you find professionals for the repair. They will want you to use a licensed technician for the work in almost all cases.
The agent will submit a claim for you. The claim will generally pay for the removal of the damaged window and door. It will also pay for the new door as well as the installation fees associated with it. But, be sure to check your policy carefully. Many policies have limitations on what they will pay out. If you hope to upgrade your door or window, that may not be a part of your claim.
Home insurance is there to help in those unexpected events. However, it is important to show the damage is accidental and that you could not prevent it. This defines whether your policy will pay for it.