Does House Insurance Cover Broken Windows? Your Comprehensive Guide

Yes, homeowners insurance typically covers broken windows, but the specifics of that coverage depend heavily on the cause of the damage, your policy’s terms, and your deductible. Understanding these factors is crucial before filing a claim. Let’s delve into the intricacies of broken window coverage and how to navigate the claims process.

Understanding Broken Window Coverage in Home Insurance

Whether your insurance will pay for a broken window hinges on a few key aspects. Let’s break down the critical considerations:

Covered Perils: The Reason Behind the Break

Most standard homeowners insurance policies operate on a named-peril or open-peril basis. Named-peril policies specifically list the events they cover, such as fire, windstorms, hail, vandalism, and theft. If a broken window results from one of these named perils, it’s likely covered. Open-peril policies, also known as all-risk policies, cover all events except those specifically excluded. Common exclusions include floods, earthquakes, wear and tear, and acts of war.

Here’s a quick rundown of common causes and whether they’re typically covered:

• Vandalism: Almost always covered.
• Windstorm/Hail: Usually covered, depending on the size of the hail and wind speed requirements outlined in your policy.
• Accidental Damage (e.g., a stray baseball): May be covered under “personal property” coverage or with a specific endorsement.
• Falling Objects (e.g., tree limb): Typically covered.
• Theft (if the window was broken during a burglary): Usually covered as part of the theft claim.

The Deductible Dilemma

Your deductible is the amount you pay out-of-pocket before your insurance coverage kicks in. If the cost to repair or replace the broken window is less than your deductible, it doesn’t make financial sense to file a claim. For example, if your deductible is $1,000 and the window repair costs $500, you’ll be responsible for the entire $500.

Therefore, it’s crucial to get a quote for the repair or replacement before you file a claim. Consider if the potential payout is worth the potential increase in your premiums that can sometimes follow a claim.

Policy Exclusions: What’s Not Covered

While most standard policies cover broken windows under certain circumstances, certain exclusions can impact your coverage. These often include:

• Neglect or Lack of Maintenance: If the window broke due to pre-existing rot, decay, or general neglect, your insurance likely won’t cover it.
• Earthquakes or Earth Movement: Earthquake damage is typically excluded and requires separate earthquake insurance.
• Floods: Flood damage is also usually excluded and requires separate flood insurance.
• Intentional Acts: If you (or someone in your household) intentionally broke the window, it won’t be covered.

Navigating the Claims Process

If you determine that your broken window is covered and the repair cost exceeds your deductible, here’s a general outline of the claims process:

1. Document the Damage: Take photos and videos of the broken window. This will serve as evidence for your insurance claim.
2. File a Police Report (if necessary): If the window was broken due to vandalism or theft, file a police report immediately.
3. Contact Your Insurance Company: Report the damage to your insurance company as soon as possible.
4. Complete a Claim Form: Your insurance company will provide you with a claim form to complete.
5. Obtain Estimates: Get quotes from reputable contractors for the repair or replacement of the window.
6. Meet with the Adjuster: The insurance company will likely send an adjuster to assess the damage. Be prepared to show them the documented evidence and contractor estimates.
7. Receive Payment: If your claim is approved, you’ll receive payment from the insurance company, minus your deductible.

Frequently Asked Questions (FAQs)

Here are 12 frequently asked questions regarding broken windows and homeowner’s insurance:

1. If a tree falls on my house and breaks a window, is it covered? Yes, damage caused by falling objects, including trees, is typically covered under most standard homeowners insurance policies. This falls under “covered perils.”
2. My window was broken during a burglary. Does my insurance cover the repair? Yes, theft-related damage, including a broken window used for entry, is usually covered. The window repair would likely be included in your theft claim. Remember to file a police report.
3. My child accidentally broke a window playing baseball. Will my insurance pay for it? This depends on your policy. Some policies have personal liability coverage that may cover accidental damage caused by you or members of your household. Check your policy or ask your insurer.
4. My windows are old and drafty. One recently cracked. Is this covered? Probably not. Damage due to wear and tear, deterioration, or lack of maintenance is typically excluded from coverage. Old, drafty windows that crack due to age are considered a maintenance issue.
5. Hail broke several of my windows. Is that covered? Yes, hail damage is a common covered peril. However, some policies may have specific requirements regarding the size of the hail to be covered. Check your policy for details.
6. What if I have a deductible higher than the repair cost? If your deductible is higher than the cost to repair or replace the window, it doesn’t make financial sense to file a claim. You’ll be responsible for paying for the repairs yourself.
7. Will filing a claim for a broken window increase my insurance premiums? It’s possible. Filing claims can potentially increase your insurance premiums. It’s crucial to weigh the cost of the repair against the potential impact on your future rates.
8. How long do I have to file a claim for a broken window? The timeframe for filing a claim varies by state and insurance company. However, it’s generally recommended to file as soon as possible after the damage occurs. Check with your insurer for their specific time limits.
9. What if my insurance company denies my claim for a broken window? If your claim is denied, request a written explanation of the denial. Review your policy carefully and gather any additional evidence to support your claim. You can also appeal the decision or consult with a public adjuster or attorney.
10. Does my insurance cover broken window screens? Typically, window screens are considered part of the window assembly and would be covered if the screen was damaged along with the window in a covered event. However, stand-alone screen damage may not be covered.
11. I have a vacant property. Does my insurance cover broken windows there? Vacant property insurance policies often have different terms and conditions than standard homeowners insurance. Check your policy carefully to see if broken windows are covered. Coverage may be more limited in vacant properties.
12. What is “glass coverage” in a homeowners insurance policy? “Glass coverage” refers to coverage for damaged glass. In a standard policy, it’s not a separate line item. It is incorporated under specific covered perils. Some companies may offer “glass coverage” as an endorsement, offering a lower or zero deductible for glass repairs and replacements.

By understanding your homeowner’s insurance policy, knowing the potential causes of damage, and following the proper claims process, you can navigate the situation of a broken window with confidence and ensure you receive the coverage you’re entitled to. Don’t hesitate to contact your insurance provider with any questions or concerns regarding your specific policy.