Your windows are an indispensable part of your home as they are responsible for enhancing its beauty, curb appeal, and most importantly, natural ventilation and daylighting. With that said, it’s important to make sure that your windows are in optimal condition for as long as they can be. However, accidents happen that can leave your windows damaged. If this mishap occurs, will your homeowner’s insurance policy cover it? Read on to learn more.
While there isn’t a black and white answer to this question, it depends on the circumstances that caused the damage in the first place and what kind of insurance policy you have. If you have a named-peril policy, your insurance provider will only cover cases that were covered by the stipulated perils in the list. If your windows were damaged by a peril that isn’t mentioned, you’ll have to shoulder the costs on your own, unfortunately.
On the other hand, if you have an open-peril policy, you’ll have a better chance of being covered because of the wide range of damage coverages that is stated in the insurance policy. For example, if your home was hit by a hailstorm that caused damage which requires a window replacement, you will be covered. However, if the damage was caused by your own actions, it won’t be covered because it doesn’t mention accidents as a peril.
Now that it’s clear that named and open-peril policies cover certain types of damages, both insurance policies, however, do not cover normal wear-and-tear. This is because it’s a homeowner’s responsibility to ensure that their windows are properly cleaned and maintained regularly. Insurance companies have the right to decline coverage if they deem a homeowner’s negligence is the cause of a window’s deterioration.
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