Whether or not a home insurance policy can replace a broken window depends on the policy and the circumstances of the damage. Below are some of the specific factors that will determine the outcome of a window-replacement claim.
The Cause of the Damage
The first thing is to determine the exact cause of damage to the window. This is because there are some forms of damages that home insurance is unlikely to cover. For example, most policies don't cover self-inflicted damage. Therefore, don't expect compensation if you break your window while playing catch with your child. Also, most policies also don't cover damages related to wear and tear. Therefore, if your home is old and your window one day just gives up and cracks, your home insurance coverage is unlikely to help you.
However, accidental damages such as those caused by natural disasters or vandalism are likely to be covered. For example, your insurance policy may come to your rescue if a tree branch breaks and cracks your window during a storm. Another example where coverage is possible is if thieves break your window when trying to gain entry into your house.
The Type of Policy
Home insurance policies are not created equal; they differ widely in terms of coverage. Therefore, you need to scrutinize your policy to learn what it covers and what it doesn't. This will be easy once you identify the type of policy you have.
There are two basic forms of home insurance policies. The first one is an open peril policy, which covers most damages unless they are specifically listed as excluded. With this policy, window damages to your home are automatically covered unless the cause of the damage is listed as excluded in your policy. The second type is a named peril policy that specifically covers the risks listed in the policy. With a named peril policy, damage to your window is only covered if the cause of the damage is specifically listed as a covered peril.
The Cost of the Repair
Lastly, the cost of the repair may also determine whether you get a check from your insurance company or not. This is because home insurance policies typically include deductibles. The deductible is the portion of the damage that you must pay before your insurer settles your claim. The deductible discourages small claims and encourages homeowners to be more mindful of their properties.
For example, if you have a $500 deductible and your window costs $1,000 to replace, your carrier will only give you $500 towards the repair and you pay the rest of the money. Therefore, you are not entitled to any compensation if your deductible is higher than the cost of the repair. Speak with a homeowners insurance representative to learn more.