There’s a good chance you’ll need to fix a broken window at some point. Although it is a relatively common repair, you might end up replacing the whole unit altogether. This is especially true if the window is no longer performing efficiently despite quick fixes. As a result, many homeowners consider making a homeowner’s insurance claim to cover the costs.
Homeowner’s insurance policies may pay for window replacement, but that would depend on the situation in which the window sustained damage. Renewal by Andersen® of Cape Cod, your local window company, sheds light on the matter.
Two Types of Homeowner’s Insurance Coverage
Before making a claim, you must first familiarize yourself with the specific policy you have. There are two types of coverage in a homeowner’s insurance policy. A named-peril policy is when the insurer lists down all possible causes of damage that it will cover. Broken windows caused by one of the listed reasons will likely be covered after further assessment. An open-peril policy, meanwhile, covers the expenses of replacing the damaged window for whatever reason, except for specified exclusions.
A Note on Deductibles
Before purchasing new windows to replace the damaged units, make sure you first exercise your best judgment on the subject of deductibles. If you happen to have a high-deductible policy to lower your premiums and the cost of window replacement is relatively low, the price of replacement windows might not exceed the deductible.
Normal Window Wear and Tear
As for the wear and tear of your windows, most insurance companies do not cover such forms of damage. As a homeowner, it is your responsibility to ensure your windows are in good condition, along with the rest of your home. You’ll be covered if a wind-carried object breaks through your window during a storm, but not if water seeped in through unmaintained seals, causing the glass to freeze and crack.
Renewal by Andersen of Cape Cod is your trusted window contractor you can rely on for your needs. Call (508) 936-1171 or fill out our contact form for a free in-home consultation. We serve residents of Cape Cod and the surrounding communities.