Does Home Insurance Cover Window Replacement?

​If you're contemplating replacing a damaged window and wondering whether your home insurance will foot the bill, there are several factors to consider. Your insurance coverage depends on the cause of the damage and the type of policy you have, which can be named-peril or open-peril.

Named-Peril vs. Open-Peril Policies
​

• Named-Peril Policy: This type of policy specifies a list of specific perils or events that are covered. If the cause of your window's damage falls within the listed perils, it may be eligible for coverage. Common perils include fire, vandalism, theft, and certain weather-related incidents.
  
  
• Open-Peril Policy: In contrast, an open-peril policy covers all perils by default, except those explicitly excluded in the policy documentation. If the cause of damage is not excluded, your window replacement may be covered.

Understanding the Cause of Damage
To determine whether your home insurance will cover window replacement, it's crucial to assess the cause of the damage. Here are some common scenarios:

1. Inclement Weather or Trespassing: Most home insurance policies cover losses related to break-ins, vandalism, and certain weather conditions like wind, snow, hail, and more. Before filing a claim, consult your insurer to confirm if the cause of damage falls under a covered peril. Once confirmed, request a repair estimate to ensure the cost does not exceed your deductible.
   
   
2. Neighbor's Responsibility: If your window is broken by a neighbor's actions, it might not be covered by your home insurance, but theirs may cover it. Liability in this case typically points to the neighbor responsible for the damage. They can either use their insurance through personal liability coverage or pay for the replacement costs directly.
   
   If your neighbor refuses to take responsibility and you have evidence of their fault, legal action may be an option.
   
   
3. Household Member's Liability: If someone from your household, such as your children, accidentally breaks a neighbor's window, your home insurance may come into play through the policy's liability coverage.

Types of Coverage for Broken Windows
Home insurance policies typically encompass various coverage types, including Coverages A, B, C, D, E, and F. Here's how they relate to window damage:

• Coverage A (Dwelling Coverage): If the damaged window is part of your primary dwelling, it falls under this category.
  
  
• Coverage B (Other Structure): If the window belongs to a separate structure on your property, such as a detached garage or shed, it may be covered under this section.
  
  
• Coverage C (Liability Coverage): If someone from your household is responsible for breaking someone else's window, this coverage can come into play.

Ensuring Protection
Window damage can occur under various circumstances, and dealing with repairs or replacements can be cumbersome. However, you don't have to expend unnecessary time and resources. To ensure that you're protected adequately, it's essential to review your home insurance policy, understand its coverage, and consult your insurer when facing window damage scenarios. Being informed and proactive can help you make the most of your insurance coverage when needed.

​At McClain Matthews Insurance, we put our clients first by offering them policies that they can afford. Insurance is a necessity nowadays, and we're here to help you. Learn more about our products and services by calling our agency at (317) 298-7500. You can also request a free quote by CLICKING HERE. 

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​