Does Homeowners Insurance Cover Window Replacement
Do you own or rent a home or condo? If so there's a big chance that somewhere down the road you'll replace a shattered window someday. In fact, it's a pretty common thing, but replacing a window could cost you quite a bit especially if it's a huge one. Because of this 90% homeowners tend to make a small claim against their very own homeowner's insurance policy to order to cover 100% of the cost of the window replacement. So the question is does homeowners insurance cover replacing a window?
So what does your home insurance cover?
In most policies, your homeowner's insurance policy will cover most damage to your property and what's inside along with liability for any accidents which happen in your house. As a property owner, you should carry insurance for everything inside your home and outside damage in case of a floor or maybe even a fire.
Can I replace my windows with Insurance
Probably the most important factor is why a window breaks. Most natural disasters are covered if damages were inflicted by unexpected occurrences or big storms. Most will also provide insurance coverage for random accidents such as a car accident to your home
On the other hand, if your window shatters and it's your fault, it most likely will not be covered by your insurance policy. Also, if a tree branch breaks your window, then you'll be responsible for any damage. Also, your insurance provider won't cover the cost of any repair or cleaning up on any window which has been broken from inside your home.
Usually, within neighborhoods having a lot of rental properties, windows get broken. The reason is that these neighborhoods are situated near campuses, nightlife destinations, and high crime areas. In fact, most broken windows are usually caused by violent arguments or drunk individuals.
If you have a window that is broken in the house you're renting because of the above mentioned, you will have to speak with the landlord so that you'll know what to do. Since there are various rental owner's insurance policies for homeowners or renters which don't cover the cost of non-structural repairs, your landlord's insurance provider might not approve claim on the condo or home. If such thing happens, you may be asked by your landlord to cover the windows cost to replace it. This could seem unfair and if so, you might have to bring your landlord to court for small claims.
How much coverage can you get
All homeowner's insurance policies don't provide insurance for your everyday household wear and tear since it's your responsibility as a home or property owner. Although this could seem pretty obvious, it might affect the way your insurance will place your claim. An example is if your window gets shattered because of flying objects in the air during a storm, you will be provided a coverage. However, if it shatters because of water seepage through an unmaintained seal that was frozen and cracked the window, your insurance might claim wear and tear as the cause of the shattered window.
Also, even if the cause of the shattered window is within your homeowner's insurance coverage, it might not be possible for you to make a claim. Since you're responsible for the amount of your deductible, you can always bet on spending some more of your own money for some repairs. If ever the cost of replacing a window is pretty low and you have a higher-deductible to lower your premium, the total cost for replacing your window will not exceed your deductible. Even if your policy covers the damage or not it's up for dispute in this case.
The costs required in order to process your claim is almost the same regardless if you're making a claim right after a major disaster such as huge fire, or a small one like a chipped or broken window. Even though your homeowner's insurance company is supposed to process the small claims as long as they're within your policy contract, a series of many small claims could cost your insurance company a lot. This, in turn, could result to rate increases.
Typically, the cost of repairing or replacing a broken window is high. Damage to the window glass, structure, and frame, will determine the total cost and it could easily go above and beyond $400. If in case the window breaks inside your house, it could cost even more.