Does Home Insurance Cover Cracked Windows? Find Out Here

Windows are essential parts of any home, but they can also be vulnerable to damage from various causes.

Whether it’s a storm, a burglary, or a stray baseball, a cracked window can be a hassle to deal with.

Does Home Insurance Cover Cracked Windows?
Does Home Insurance Cover Cracked Windows?| Windows SEal

Fortunately, your home insurance policy may be able to help you cover the cost of repairing or replacing a broken window, depending on the cause and the extent of the damage.

When Does Home Insurance Cover Cracked Windows?

Home insurance policies typically cover the structure of your home, including windows, under the dwelling coverage section.

This section covers damage caused by certain perils, such as fire, hail, vandalism, theft, and more.

These are known as “open perils”, meaning that you are covered for any cause of loss that is not specifically excluded in your policy.

For example, if a hailstorm cracks your window, your home insurance policy will likely cover the cost of fixing it, minus your deductible.

Similarly, if a burglar breaks your window to enter your home, your policy will also cover the damage, as well as any stolen or damaged personal property.

However, not all causes of cracked windows are covered by home insurance. Some common exclusions are:

1.Wear and tear

If your windows simply break because they are old, you usually won’t be covered.

2.Lack of maintenance

If your windows crack due to rot, corrosion, or neglect, you also won’t be covered.

3.Earthquakes and floods

These natural disasters are generally not covered by standard home insurance policies. You may need to purchase separate policies or endorsements to protect your home from these perils.

4.Intentional damage

If you or someone in your household deliberately breaks your window, your policy will not cover the damage.

How Much Does Home Insurance Pay for Cracked Windows?

The amount of money that your home insurance policy will pay for cracked windows depends on several factors, such as:

1.The limit of your dwelling coverage:

This is the maximum amount that your policy will pay for damage to the structure of your home, including windows.

You should make sure that your limit is enough to cover the full replacement cost of your home, not just the market value.

2.The deductible of your policy

This is the amount that you have to pay out of pocket before your policy kicks in.

Deductibles can range from $500 to $5,000 or more, depending on your policy and your preferences.

A higher deductible can lower your premium, but it also means that you have to pay more for smaller claims.

3.The actual cash value or replacement cost of your window

This is the method that your policy uses to determine how much to pay for your window.

Actual cash value (ACV) means that your policy will pay the depreciated value of your window, taking into account its age and condition.

Replacement cost (RC) means that your policy will pay the full cost of replacing your window with a similar one, without deducting for depreciation.

RC coverage usually costs more than ACV coverage, but it also provides more protection.

To illustrate, let’s say that your window costs $1,000 to replace, and your policy has a $500 deductible and ACV coverage.

If your window is 10 years old and has a depreciation rate of 10% per year, your policy will pay:

$1,000 – ($1,000 x 10% x 10 years) – $500 = $0

In this case, your policy will not pay anything for your window, since the deductible is higher than the ACV of your window. However, if your policy has RC coverage, your policy will pay:

$1,000 – $500 = $500

In this case, your policy will pay $500 for your window, which is the difference between the replacement cost and the deductible.

What to Do If Your Window Is Cracked?

If your window is cracked, you should take the following steps to protect your home and file a claim:

1.Secure the window

If possible, cover the window with plywood, plastic, or tape to prevent further damage, injury, or intrusion.

Be careful not to cut yourself on the glass or damage the window frame.

2.Document the damage

Take photos and videos of the cracked window and the surrounding area. Note the date and time of the incident, and the cause of the damage, if known.

Keep any receipts or invoices related to the window repair or replacement.

3.Contact your insurance company

Report the damage to your insurance company as soon as possible. Provide them with the documentation and any other information they may request.

They will assign an adjuster to inspect the damage and determine your coverage and payout.

4.Repair or replace the window

Depending on the extent of the damage and your policy, you may be able to choose your own contractor or use one recommended by your insurance company.

Make sure to get a written estimate and a warranty for the work. Keep in touch with your insurance company and your contractor until the window is fixed.

How to get homeowners insurance to pay for new windows?

Getting homeowners insurance to pay for new windows can be tricky, as it depends on the cause and extent of the damage, as well as the terms and conditions of your policy.

Here are some general steps you can follow to increase your chances of getting reimbursed:

1.Check your policy:

Read your policy carefully and look for the section that covers dwelling coverage, which usually includes windows. See what perils are covered and what exclusions apply.

Also, check your deductible and coverage limit to see how much you have to pay out of pocket and how much your policy will pay.

2.Document the damage

Take photos and videos of the broken windows and the surrounding area.

Note the date and time of the incident, and the cause of the damage, if known.

Keep any receipts or invoices related to the window repair or replacement.

3.Contact your insurance company

Report the damage to your insurance company as soon as possible.

Provide them with the documentation and any other information they may request.

They will assign an adjuster to inspect the damage and determine your coverage and payout.

4.Repair or replace the window

Depending on the extent of the damage and your policy, you may be able to choose your own contractor or use one recommended by your insurance company.

Make sure to get a written estimate and a warranty for the work. Keep in touch with your insurance company and your contractor until the window is fixed.

Conclusion

Cracked windows can be a common and costly problem for homeowners, but your home insurance policy may be able to help you cover the expense, depending on the cause and the extent of the damage.

To make sure that you have adequate coverage for your windows and your home, you should review your policy regularly and update it as needed.

You should also shop around and compare quotes from different insurers to find the best deal for your needs.

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