Will Homeowners’ Insurance Cover Broken Windows?

Broken windows are not appealing nor do they function properly, so every homeowner wants them repaired or replaced as quickly as possible. The problem is, window repair or replacement can be quite costly (especially for energy-efficient ones). Luckily, you have your homeowners’ insurance to turn to. However, you are unsure whether your insurance covers the damage to your windows. Does your insurance package cover your broken window? Trusted replacement window contractor Renewal by Andersen® is here to share the info that can help! 

How It Happened

 

The circumstances on how your window got damaged are extremely important, as they will dictate whether your insurance package will cover the costs for the repairs of your window. Knowing what kind of policy you have is also crucial, as it will also take into account whether your case is eligible or not. There are two types of policies for this situation:

 

Named-Peril Policy

                

A policy that covers specific instances and insures you against them. For example, if your windows got damaged due to a hailstorm, then your windows are eligible for terms under the policy regarding damage caused by natural causes. But if, for instance, it got damaged because of an accident on your part, then if your named-peril policy doesn’t cover personal negligence under the terms, you will not be eligible for the insurance.

 

Open-Peril Policy

                

A policy that insures your property against loss from all causes except for a specific set of exclusions (also known as “all risks” coverage). This type of policy is more open-ended and allows more leeway in insurance terms, as long as your property is damaged or lost. May it be from natural causes, accidents, or a deliberate break-in from an intruder, as long as the terms state that it is not excluded in the policy, your windows are covered, and if you have a preferred window installation company, that would be the best time to consider replacement or repair options.

 

Poor Maintenance Is Excluded

 

If your windows broke down due to poor maintenance and care, then they won’t be covered by any homeowners’ insurance policy, as caring for your windows is your obligation as a homeowner. For example, if your window broke during a hurricane due to strong winds and precipitation, and upon inspection, your maintenance was acceptable and there were no cracks on your window or glaring structural problems, then the policy will cover the damages. But if let’s say, your windows broke apart because of the sealing issues you refused to address to save money, then your insurer will not cover the damages as it was due to personal negligence that led to the window breaking down.

 

Renewal by Andersen of Rapid City is the name you can rely on when it comes to hiring professional and reliable residential window services! We offer only the best selections and the highest quality assistance for your home improvement needs. For any inquiries, you can reach us at (605) 341-7831 or fill out our contact form to request an estimate. We serve homeowners and clients in Rapid City, SD.