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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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What is Mineral Staining?

Mineral Staining consists of milky white spot stains that appear on the surface of glass. This chemical reaction is brought about by the build-up of different minerals and alkaline in water. These are water-borne chemicals that may often leave permanent stains on glass surfaces.

printed glass splashbacks melbourneMineral stains are very difficult to remove but can easily be prevented by immediately drying or wiping off the droplets or water especially those that remain near the glass shower doors and around the sinks or faucets.

Different chemical reactions cause mineral staining such as:

  • Hard water can precipitate lime and scum deposits on glass surfaces, glassware, fiberglass, porcelain, stainless steel, tile, and enamel; among others. You can prevent this from happening by installing a water treatment system. More so, hard water when in contact with soaps or other minerals can increase staining or scaling formation in sinks and bathroom fixtures.
  • Magnesium and calcium content in hard water can also trigger lime scale or hard film build up that creeps on kitchen and bathroom fixtures as well as equipment that are most often exposed to water.
  • Metallic stains may also appear when your glass surfaces come in contact with manganese and iron that leave blackish or brownish stains.
  • Acidic water can cause corrosive damages on fixtures and plumbing.
  • Copper and brass fittings can leave green and blue stains on your plumbing fixtures.

Here are some tried-and-tested tips on cleaning up or removing mineral stains on glass surfaces:

  • auto glassSimply wiping or drying up shower doors after use can remove streaky white stains etched on glassware.
  • Install a water softening equipment to avoid the harsh effects of hard water on your fixtures.
  • The use of cleaning solutions with sequestrants like calgon is proven effective in the reduction of staining properties as it deactivates the mineral components in water that can cause staining.
  • Acidic cleaners like lemon juice, oxalic acid, white vinegar, sulphuric and hydrochloric acids are effective in removing iron rust stains and eliminating discoloration. Cream of tartar which is considered a mild acid can be mixed with water to fight off stains.
  • Chlorine bleach can also be used to remove stains but must not be left on fixtures for prolonged periods to prevent dulling of surfaces especially in porcelain.
  • All-purpose cleaners or the nonabrasive type of cleaners are good for regular clean-ups. These are safe to use and does not leave scratches on the surface even when the solution is left on the surface for long periods of time.

Keeping your glass surfaces and equipment in mint condition can be a lot of work especially if you have no extra hands to help you out in managing a home. Prevention is certainly way better than cure –even when keeping your glass fixtures in sparkling condition.

In this case, cleaning up excess water in spaces prone to rusting or staining certainly pays off in the end. You can prevent permanent staining on your bathroom and kitchen fixtures by making sure that you have the right cleaners at hand and that you are able to effectively clean and wipe as you go about your daily grind.

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