Similar to other components of your home, windows are susceptible to damage, especially during storms and other weather-related incidents. Many people then are wondering whether it’s possible to file an insurance claim when their windows break.
In today’s post, Renewal by Andersen® of Houston, a window replacement company in the area, explains everything you need to know when filing an insurance claim for your windows.
What Caused the Damage
Your windows may be covered by your insurance policy if the cause of the damage is listed in the actual print of the agreement. For instance, a named-peril policy only covers those situations specifically included in the insurance like a hailstorm or other unforeseen elements that may cause damage to your home. An open-peril policy, on the other hand, covers damage caused by different types of risk to the insured property.
Paying the Deductible
It’s possible that you may not still make a claim, even if the cause of the broken window falls under the coverage of your insurance policy. In fact, you may need to shell out some cash for some repairs, especially if you’re on the hook for the amount of your deductible.
Normal Wear and Tear
As a homeowner, it is your job to maintain your picture windows to keep it in good shape. Thus, wears and tears caused by lack of maintenance may not be covered by your insurance company.
For instance, if your windows broke because moisture seeped in through the seals, your insurance company may not consider such damage.
Work with a reliable window contractor like Renewal by Andersen of Houston for professional window installation services. We provide energy-efficient sliding windows and other window styles to complement your home’s design. Call us today at (281) 547-6177 or fill out our online form to schedule an appointment. We serve residents of Texas, including Sugar Land, TX.