Does Home Insurance Cover Window Replacement? A Comprehensive Overview

Windows are an essential part of any home, providing natural light, ventilation, and security.

However, windows can also be vulnerable to damage from various causes, such as weather, fire, vandalism, or accidents.

If your window is broken or damaged, you may wonder if your home insurance will cover the cost of window replacement.

An Image of broken window.
Broken Window [PHOTO COURTESY OF CLOVERED]
The answer depends on several factors, such as the cause of the damage and the type of policy you have.

 Key factors to consider when dealing with window damage and home insurance

What Causes Window Damage?

The first thing to determine is what caused the window damage.

This will affect whether your home insurance will cover the window replacement or not.

Home insurance policies typically cover damage caused by certain perils, which are events that are sudden and accidental.

Some common perils that may damage your windows are:

an image of window being vandalised
Window vandalism [PHOTO COURTESY OF ENERGY PRODUCTION]
1.Vandalism: If someone intentionally breaks or damages your window, this is considered vandalism and is usually covered by home insurance.

2.Theft: If someone breaks your window to enter your home and steal your belongings, this is considered theft and is also usually covered by home insurance.

3.Fire: If a fire damages or destroys your window, this is usually covered by home insurance.

4.Hail: If hailstones crack or shatter your window, this is usually covered by home insurance.

5.Wind: If strong winds blow debris or objects into your window and cause damage, this is usually covered by home insurance.

However, not all causes of window damage are covered by home insurance. Some common causes that are not covered are:

Wear and tear

If your window deteriorates over time due to age, exposure, or lack of maintenance, this is considered wear and tear and is not covered by home insurance.

Maintenance issues

If your window has problems such as leaks, cracks, or broken seals due to improper installation or repair, this is considered a maintenance issue and is not covered by home insurance.

Accidents

If you or someone in your household accidentally breaks your own window, this is considered an accident and is not covered by home insurance.

What Type of Policy Do You Have?

The second thing to consider is what type of policy you have.

Home insurance policies can be either named peril or open peril.

A named peril policy lists the specific perils that are covered by the policy.

If the cause of the window damage is not on the list, it is not covered.

An open peril policy covers all perils except those that are explicitly excluded by the policy.

If the cause of the window damage is not excluded, it is covered.

For example, suppose you have a named peril policy that covers fire, hail, wind, theft, and vandalism.

If your window is damaged by one of these perils, you can file a claim with your home insurance.

However, if your window is damaged by something else, you cannot file a claim with your home insurance.

RELATED: Are Outbuildings Covered By Home Insurance? A Complete Guide

The third thing to consider is what is your deductible and limit for your home insurance coverage.

Your deductible is the amount of money you have to pay out of pocket before your home insurance pays for the rest of the claim.

Your limit is the maximum amount of money your home insurance will pay for a covered claim.

What to do if someone breaks your window?

Document the incident

You should write down everything you can remember about the incident, such as the date, time, location, description of the intruder.

This will help you file a police report and an insurance claim later.

An image of person fixing broken windows
Broken window being fixed [PHOTO COURTESY OF PARAGON WINDOWS]
Contact your landlord

If you are renting your home, you should inform your landlord about the break-in and the window damage as soon as possible.

Depending on your lease agreement, your landlord may be responsible for repairing or replacing the window.

Summary

Windows are an essential part of any home, but they can also be vulnerable to damage from various causes, such as weather, fire, vandalism, or accidents.

If your window is broken or damaged, you may wonder if your home insurance will cover the cost of window replacement.

The answer depends on several factors, such as the cause of the damage, the type of policy you have, and the deductible and limit of your coverage.

This web page will explain these factors in detail and provide some tips on how to deal with window damage and home insurance.

 

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