Many homeowners have to deal with a broken window at some point. A window can get broken for many reasons, ranging from an accident to hail to a fallen tree limb. The cost to replace a window can be expensive, particularly if it is a large window. Many people wonder if their homeowners insurance will cover the cost to replace a broken window. The answer is that it depends on what caused the damage to the window and how the cost of the replacement compares to the policy’s deductible.
What Caused the Damage to the Window?
When your homeowners insurance company considers your claim, one of the main factors it will look at is what caused the damage to the window. Some policies only cover specific circumstances, while others cover any situation not specifically excluded. Any homeowners insurance policy will cover damage caused by the weather, such as a storm that blows a tree branch against the window. Some policies cover accidents, and some don’t. No homeowners insurance policy will cover damage caused by regular wear and tear or neglect. If you fail to maintain your windows, they leak, and the water freezes and cracks the glass, for example, you will not be covered. If you are not sure what perils your homeowners insurance policy covers, call your company or agent.
Is the Cost of the Window Replacement More or Less Than Your Deductible?
Another factor that comes into play is the deductible. If you have a high deductible and the cost to replace the window is less than that amount, your homeowners insurance policy will not pay to replace the window. In that case, it doesn’t matter what caused the damage or whether it is a covered peril or not. You will have to pay the bill for the new window yourself.
Get an Estimate for Window Replacement from Aladdin
Regardless of what caused the damage and whether your homeowners insurance policy will cover the cost or not, a broken window needs to be replaced as soon as possible, before it allows cold air, rain, and snow into your home. Aladdin can install a new vinyl replacement window in your home that will keep cold air out and make it more energy-efficient.