Does your homeowner’s insurance cover residential glass replacement or repair?
Residential glass replacement or repair are often expensive. No one likes the thought of paying for a new window or glass door. However, a stray ball in the neighborhood can happen any time. Strong winds can shatter a window or glass door with little warning. Accidents often happen that involve broken glass, meaning you may need to pay for both a hospital visit and residential glass replacement.
Your insurance may cover these situations. Here are some tips on saving money when you need glass replaced.
Residential glass replacement basics
The first issue will be what caused the glass to break.
Residential glass replacement typically covered by insurance:
- Natural forces (wind, hail, etc)
- Damage by non-resident of the home
Residential glass replacement typically not covered by insurance:
- Accidental damage by child residents (ex: stray ball through the window)
- Intentional damage by adult residents (ex: window smashed during argument)
- Improper installation by unlicensed vendor
The first thing you should do is document the broken glass. Even a photo or two from your phone can go a long way with your insurance claim.
Is a homeowner’s insurance claim worth your time?
Most claims will only be approved to pay for the cost of the window or glass door replacement itself. In other words, the cost of stolen goods may not be covered by your policy. Similarly, injuries caused by broken glass might not be covered by your homeowner’s policy, but rather by your medical insurance.
Many policies require the homeowner to pay a deductible before the claim benefits kick in. If your deductible is high, it might be smarter to pay out of your own pocket for glass repair or replacement services. A high deductible could mean your insurance only covers a small part of the bill. In any event, your claim is likely to increase your home insurance premiums moving forward.
Action steps following broken glass at home
If broken glass is covered, be sure to file your claim right away. A broken window or glass door might invite further vandalism or burglary. Insects and wild animals will have easy access to your home. Heating and air conditioning will also be more expensive with a broken window. A short-term cover with plastic or cardboard might help, but not for long.
Get in touch with a trusted expert once you notice the broken glass. T&C residential glass replacement professionals can help get your home back to safe conditions right away.