Does Home Insurance Cover Broken Windows? What Indiana Homeowners Need to Know
Does Home Insurance Cover Broken Windows? What Indiana Homeowners Need to Know
Broken windows can be both stressful and costly to repair, but does your home insurance policy cover the damage? The answer depends on several factors, such as the cause of the damage and the type of insurance policy you have. In this blog, we’ll break down the key details for Indiana homeowners to help you understand whether your broken windows are covered by insurance.
When Does Home Insurance Cover Broken Windows?
In most cases, standard homeowners insurance policies will cover broken windows if the damage is caused by a covered peril. Common perils include:
1. Storms and Hail
If a storm or hail breaks your windows, most insurance policies will cover the repairs. Given Indiana’s unpredictable weather, this is one of the most common claims homeowners face.
2. Vandalism
Acts of vandalism, such as a broken window, are usually covered under your home insurance policy. Be sure to file a police report before submitting your insurance claim.
3. Accidents
If your window is broken due to an accident, such as a baseball hitting it, some policies may cover the damage under certain circumstances. Always check your specific policy for details.
However, your insurance will likely not cover the damage if it’s due to general wear and tear or lack of maintenance.
When Is a Broken Window Not Covered by Insurance?
Home insurance won’t cover broken windows in every situation. Some scenarios that may not be covered include:
1. Wear and Tear
If your windows are old and break due to age or lack of maintenance, insurance won’t cover the repair costs. Regular upkeep is essential to avoid costly damage.
2. Intentional Damage
If the damage is caused intentionally by the homeowner or someone within the household, it won’t be covered by insurance.
3. Flooding or Earthquakes
Homeowners in Indiana should be aware that standard policies typically don’t cover damage from flooding or earthquakes. Separate policies may be needed for those specific events.
How to File a Claim for a Broken Window
If your window was broken due to a covered peril, here’s how to file an insurance claim:
1. Document the Damage
Take clear photos of the broken window and any surrounding damage. If possible, document the cause of the damage (e.g., storm, vandalism).
2. Contact Your Insurance Provider
Reach out to your insurance company as soon as possible to report the damage. Be ready to provide any documentation, such as photos and police reports.
3. Schedule an Inspection
Your insurance provider may send an adjuster to assess the damage. Once approved, you can begin repairs.
4. Work with a Licensed Contractor
Always use a licensed contractor, like Hoosier Cladding, to ensure the repair is done to the highest standards and within your policy guidelines.
Tips for Protecting Your Windows and Preventing Future Damage
While home insurance may cover some broken windows, prevention is always better. Here are a few ways Indiana homeowners can protect their windows:
• Install Storm Shutters: Storm shutters can protect your windows from high winds, debris, and hail during severe weather.
• Regular Maintenance: Keep your windows in good condition by sealing any cracks and ensuring the frame is weatherproof.
• Upgrade to Impact-Resistant Glass: Consider upgrading to impact-resistant windows that are designed to withstand stronger forces and prevent breakage.
Tips for Protecting Your Windows and Preventing Future Damage
While home insurance may cover some broken windows, prevention is always better. Here are a few ways Indiana homeowners can protect their windows:
• Install Storm Shutters: Storm shutters can protect your windows from high winds, debris, and hail during severe weather.
• Regular Maintenance: Keep your windows in good condition by sealing any cracks and ensuring the frame is weatherproof.
• Upgrade to Impact-Resistant Glass: Consider upgrading to impact-resistant windows that are designed to withstand stronger forces and prevent breakage.
