Will your homeowners insurance policy cover the cost of repairing a broken window? The short answer is: maybe. In today’s post, Renewal by Andersen® of San Antonio, one of the top window contractors in the region, shares insight on this question.
Two Types of Homeowners Insurance Coverage
Your insurance policy only covers qualifying situations, which means the cause of the broken window will determine whether your claim gets approved. If you have an open-peril insurance policy, your window is covered by any type of risk, except for specific exclusions. If you have a named-peril insurance policy, you will only be covered if the broken window was caused by one of the listed reasons in your policy.
Even if your broken window is covered by your homeowner’s insurance policy, you might not be compensated. The price of replacement windows might not exceed the deductible, especially if you have a high-deductible policy to lower your premiums and the cost of the replacement units are relatively low. Thus, before you make your purchase, make sure you understand your deductible and what exactly your policy covers.
About Normal Window Wear and Tear
Generally, most insurers don’t cover damage for worn-down windows. As such, you have a responsibility as a homeowner to keep them in good condition. You won’t be covered if it is found that water is seeping through the broken window seals, resulting in glass breakage. However, if flying debris hits the window glass during a storm, you will probably be covered.
Renewal by Andersen of San Antonio is the leading window company you can rely on for your needs. To learn more about our window replacement process, give us a call at (210) 988-6466. You may also fill out our contact form to schedule a consultation. We serve homeowners in San Antonio, TX.