Windows are typically made to last and withstand a variety of elements. However, at a certain point, they may break or get worn out. And in such cases, replacing your windows would obviously be necessary.
Of course, the cost of window replacement can be expensive depending on factors like the number of windows to be changed, the type of windows to be installed, etc. Fortunately, there are specific instances wherein you can use your homeowners insurance policy to cover the replacement. Window and roof installation expert ATD Restoration shares more information below.
Cause of Window Damage
Depending on the reason why your window broke, you can have its replacement covered by your homeowners insurance. You can choose between open-peril or named-peril policies for this. An open-peril policy is used to cover damage caused by various types of risk to the insured property. You are more likely to be covered in this type of policy unless your contract specifically excludes the cause of damage. Meanwhile, a named-peril policy can be used to cover losses by perils that are specifically listed in your policy.
Moreover, much like in roof replacement, window replacement is not usually covered if the reason behind it is normal wear and tear. Also, remember that the maintenance of your windows is your responsibility. Any form of neglect that results in roofing issues may disqualify you from having your broken windows covered.
Take note that there are also instances wherein a broken window may fall under the coverage of your homeowners insurance but you can’t necessarily be able to make a claim. This usually happens when you’re on the hook for the amount of your deductible. In this case, you will have to pay out of pocket for repairs or replacement.
ATD Restoration offers quality workmanship for various types of home improvement projects. Our expertise covers roof leak repair, window replacement, siding installation, and more. Call us at (864) 729-3970 (Greenville, SC) or (910) 218-2251 (Fayetteville, NC). You can also fill out our contact form to request a free estimate.