Homeowners Insurance: Does It Cover New Window?

Homeowner’s insurance is always a good idea when you buy a house. When an accident or a catastrophe damages your home, this provides you with a sense of security and financial protection. Repairs to roofs, siding, floors, and more are typically covered by standard homeowners insurance. Fire, water, theft, and accidental damage are among the possible causes of these restorations.

As for window-related insurance claims, they may fall into a gray area. This is due to the fact that your insurance coverage can be tailored to your specific needs. There are some insurance companies that have specific weather plans or aren’t interested in repairing window damage you’ve inflicted on yourself.

Make sure you’re covered by reading this article from a specialist in window replacement, such as STL Windows Direct.

What Is Covered by Your Insurance?

Knowing your coverage type is vital, but so is knowing what situations are covered. Depending on the cause of the window damage, your insurance may refuse to pay for repairs.

Your insurance will usually cover vandalism or unintentional damage. Remember that an all-risk policy covers more hazards than a designated peril policy, which normally only covers the risks outlined below.

What situations will your insurance cover? Natural disasters are covered by most insurance policies. This includes fire, flood, and storm damage. Your insurance should cover the direct windows damage as long as it occurs outside the residence and is not deliberate.

Your insurance will usually cover vandalism or unintentional damage. Remember that an all-risk policy covers more hazards than a designated peril policy, which normally only covers the risks outlined above.

What Is Not Covered by Your Insurance?

If you damage your window, you will likely be held liable for the repairs. Your own fault may not be covered.

Your insurance will not cover maintenance concerns. This means that if a window breaks or needs to be replaced due to age, your insurance will not cover the costs.

If you have a named peril coverage and the damage is caused by an unlisted risk, you may be responsible for the repairs. Check your deductible as well, as it will affect whether or not your insurance will pay for repairs.

To get the most out of your money, use high-quality goods and an experienced window installer. You can rely on STL Windows Direct for the best door and window installation services in the area. Call us at (314) 690-5800 or fill out our contact form to get a free estimate.