Broken windows must be addressed immediately because they can compromise your safety and comfort. The affected units are not only unsightly to look at but can also contribute to higher energy bills. When dealing with this problem, many are wondering if their homeowners insurance will pay to replace broken windows.
Find out of your insurance policy covers the cost of replacing windows from local roofers.
What Caused the Damage?
Homeowners insurance policies only apply to certain situations, meaning whether it will pay the cost of your window replacement or not depends on what caused the problem. When it comes to homeowners insurance policies, you can either go for open-peril or named-peril ones. A named-peril covers losses by specific situations outlined in the policy. On the other hand, an open-peril policy offers wider coverage as it includes different types of risk to the insured home.
For instance, if your windows broke during a storm, both the policies cover it. You may be able to file a storm damage claim. However, when your windows broke due to a ladder falling over it, the named-peril policy won’t cover you because it doesn’t include coverage for accidents.
What Isn’t Covered?
Keeping your house in good shape is your responsibility as a homeowner, which is why all homeowners policies don’t include coverage for normal wear and tear. How well you take care of your home can actually affect your legibility in filing a claim. Your insurer may cover damage for windows damaged by the storm but not for ones that broke due to the lack of maintenance.
Need new windows? Turn to 3JM Exteriors, Inc. for quality window replacement, roof inspection, and gutter installation services. Call us at (630) 985-6494 or complete our contact form to request a free quote. We work with clients in Grove and Naperville, IL.