Does Insurance Cover Broken Windows?

11 Dec Does Insurance Cover Broken Windows?

Homeownership, one of the most common concerns is whether your insurance will cover unexpected damages, such as broken windows. At Kevin S. Dougherty Insurance Agency, we understand that navigating homeowners insurance can be complex, especially when it comes to understanding what is covered and what isn’t. This blog will clarify how homeowners insurance typically handles broken windows and provide guidance on what you need to know.

Understanding Coverage Types

Homeowners insurance generally includes various types of coverage that can apply to broken windows:

• Dwelling Coverage: This is the primary coverage that protects the structure of your home. If a window is broken due to a covered peril—such as vandalism, hail, or a storm—this coverage usually applies.
• Other Structures Coverage: If the damage occurs to a detached structure on your property, like a shed or garage, this coverage can help pay for repairs.
• Liability Coverage: If you accidentally break a neighbor’s window—perhaps during a game of catch—your liability coverage may cover the costs of repairs.

What Causes the Damage?

The key factor in determining whether your insurance will cover a broken window is the cause of the damage. Here are some common scenarios:

• Accidental Damage: If your child accidentally throws a ball through your own window, homeowners insurance typically does not cover this type of accidental damage. In such cases, you would need to pay for repairs out of pocket.
• Natural Disasters: Damage from natural disasters like storms or hail is usually covered under dwelling coverage. If a severe windstorm breaks your window, you can file a claim.
• Vandalism or Theft: If someone breaks into your home and damages your windows in the process, this is also covered by homeowners insurance under vandalism.
• Wear and Tear: It’s important to note that if the window was broken due to general wear and tear or lack of maintenance (like rotting frames), insurance will not cover these repairs. Insurance policies are designed to protect against sudden and accidental damage, not gradual deterioration.

Filing a Claim

If you find yourself needing to file a claim for a broken window, here are steps to follow:

1. Assess the Damage: Take photos of the damage and gather any relevant information about how it occurred.
2. Check Your Deductible: Before filing a claim, consider your deductible—the amount you must pay out of pocket before insurance kicks in. If the repair cost is less than your deductible, it may not be worth filing a claim.
3. Contact Your Insurance Agent: Reach out to Kevin S. Dougherty Insurance Agency to discuss your situation. We can help clarify what’s covered under your policy and guide you through the claims process.
4. Get Repair Estimates: Obtain estimates from local contractors for the repair work needed. This information can be crucial when discussing your claim with your insurer.

Understanding Your Homeowners Insurance Coverage for Broken Windows

At Kevin S. Dougherty Insurance Agency, we strive to provide our clients with clear information and support throughout their insurance journey. Understanding your policy and knowing what is covered can save you time and money in the long run. If you have questions about your coverage or need assistance with a claim, contact us today, for expert guidance tailored to your needs. You can also call us at (630) 575-0800 for any query.