Does Your Insurance Cover Broken Windows?

Your windows are an essential part of your home as they enhance your home’s efficiency and add to its aesthetic value. They even allow natural ventilation and light to come in. As such, it’s important to keep your home’s windows in tiptop shape for them to perform at their best. However, you could run into some unfortunate incidents that could break your window panes. In case this happens, you could worry if your insurance policy will cover the window replacement cost. In today’s post, Renewal by Andersen® of New Jersey addresses your concerns.

Does My Insurance Cover It?

Your coverage depends on what caused the damage and what kind of insurance policy you possess. If you have a named-peril policy, your insurance provider will only cover the repair or replacement costs of those perils listed on your policy. Unfortunately, in case your windows were damaged by a peril not stipulated on the policy, your insurance company has no obligation to cover your damages.

If you have an open-peril policy, you have a better chance of getting covered since there are a lot of cases that are covered in this insurance policy. For instance, if your windows were broken due to hail smashing into your windows, your insurance provider can cover the cost of your new windows since it’s part of the policy.

Exceptions

Once you’ve found out what both open and named peril insurance policies cover, you might be wondering about the exceptions they entail? One of these exceptions include deterioration caused by the homeowner’s negligence to conduct regular inspections and maintenance if needed. It’s a homeowner’s responsibility to ensure that their windows are in great shape which is why insurance providers can deny your coverage if a homeowner doesn’t take the necessary steps to do so.

Looking for quality windows and doors that will stand the test of time? Look no further than Renewal by Andersen of New Jersey! We’re your source for the best replacement windows in New Jersey and Metro New York. Call us at (866) 609-5033 or fill out our contact form to book a virtual consultation.