Broken Glass And Your Insurance Claim

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SOURCE: Economy Glass

Did you know that windows with high concentrations of rental properties tend to break more often? This is because such neighborhoods are typically located near college campuses and nightlife destinations. These residences are considered areas with relatively high rates of property crime. As a matter of fact, broken windows are often caused by drunken vandals or disputants who get agitated or violent.

Replacing a broken window is a relatively common repair. These are just windows– unnoticeable in your everyday life. However, the cost of repairing and replacing a broken window can be expensive. The total cost of a broken window can easily exceed $500. This prompts many homeowners to contemplate on making claims against their homeowners’ insurance policies to secure the window replacement costs.

The insurance provider will often assess the amount of damage based on the window’s glass, frame and surrounding structure. How the window breaks will be the insurance provider’s primary focus. For an instance, there is an additional cost for cleaning up the affected carpets, floors and furniture if the window shatters into the house. Any injuries associated with the broken glass will evidently inflate the broken window’s costs by an order of magnitude.

If one of the windows in your home has been broken in the past, it is necessary to ask your insurance provider whether your window’s cleanup and repair costs will be covered by your policy. This is because such incident may repeat itself.

In insurance, there are open-peril policies and named-risk policies. Open-peril policies cover any cause not specifically excluded from your policy while named-risk policies only provide coverage for causes listed in your policy.

Generally, every homeowner’s insurance policy covers certain “acts of God”. These “acts of God” refer to storm-related wind damage, flying debris and other unforeseeable occurrences. Furthermore, most insurance policies cover random human-generated incidents. Therefore, if an out-of-control vehicle drives through the first floor of a house and breaks its window, a client does not need to personally pay for the repairs.

On the other hand, there is a big probability that insurance policy will not cover broken windows arising from your own negligence. Failure to cull a tree limb that strays too close to your window makes you liable for the any caused damage. Insurance provider will also refuse to cover cleanup and repair costs on any window that is broken from the inside of your home.

It is noteworthy to remember that many rental-owner’s insurance policies do not cover the cost of non-structural repairs like rental properties. Consequently, landlord’s insurance company could deny any claim on the property. This is when the landlord would ask a tenant to cover the cost of the damaged window in his room. If the tenant deems this request to be unfair, he or she may need to bring a small-claims court case against the landlord or withhold rent payments until the situation has been resolved.

Despite all the hassles of maintaining and replacing windows, it is necessary to do so since windows aid the ventilation of the house. It is good to choose best company for window repairs so that, with or without grant of insurance claim, the quality of window repairs will not be compromised.

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