Your homeowners insurance covers many different “perils”. Perils are basically different types of risks. One of the most common risks for a homeowner is a broken window. Whether you break it or something flies through your window during a storm, the clean-up and replacement process can be a little overwhelming. If a window breaks in your home, call your insurance company right away to prevent further damage from occurring.
Most homeowners policies provide coverage for broken windows if it is caused by wind, fire, hail, vandalism, or theft. Windows on detached structures may also be covered, depending on the limits of your policy. When you visit your agent, have pictures of your damage with you to speed up the process. Your insurance agent will help you file your claim and make sure your window is replaced in a timely fashion. Fixing your window as quickly as possible will protect your home from any further damage that may result.
Deductibles are an important part of the claim process. If you file a claim on a broken window, you will have to pay your deductible before your coverage kicks in. When your deductible is more than the cost of the window, you will pay for the repairs on your own. If it is less, your policy will take care of the difference up to the limit of your policy's coverage. It's still important to file your claim so that your deductible is processed.
If you or your child breaks another homeowner's window, the liability portion of your policy will cover the damage. In most cases, deductibles are not applied to damages that are covered under the liability section of your homeowners policy. If the homeowner decides to turn it into their insurance company, they may have to pay the deductible if your policy doesn't cover all of the damages. Filing the damages under your policy may be the best way to go.
In most situations, accidents you cause that result in damage to your home won't be covered by your homeowners policy. Your policy also will not cover damage caused by gradual wear and tear. If you have a loose window that results in window damage, your homeowners policy won't cover the replacement of the window or the water damage. When it comes to home maintenance, taking care of your windows is important. Replacing worn weather-stripping and making sure the frames sit firmly in place is important if you want your windows to remain in good shape.
Broken windows can happen at any time. Storms with heavy winds and hail are the most common culprits. Your homeowners insurance can help cover the cost once you have paid your deductible. Contact our agents here at Fuller Insurance Agency if you have any questions about your homeowners insurance coverage. We can help you read through the fine print of your existing policy and make sure that you understand what it does and does not cover. We can also evaluate your policy to ensure that you have the right amount of coverage.