How To Get Homeowners Insurance To Pay For New Windows

How to Get Homeowners Insurance to Pay for New Windows

Getting your homeowners insurance to cover new windows can feel like navigating a maze, but understanding your policy and the circumstances surrounding the damage is key. This guide will help you understand when you can expect your insurance to cover replacement costs and how to best approach your claim.

Understanding Your Homeowners Insurance Policy

Before you even think about filing a claim, thoroughly review your homeowners insurance policy. Look for specific clauses related to wind damage, hail damage, breakage, and acts of God. Understanding your deductibles is also crucial; you'll likely be responsible for paying this amount before the insurance company covers the remaining costs. The policy will outline what is and isn't covered, so familiarize yourself with its specifics.

Key Coverage Areas to Check:

• Perils Covered: Your policy will list the specific events it covers (e.g., fire, windstorm, vandalism). If the damage to your windows resulted from a covered peril, you have a stronger case for coverage.
• Exclusions: Pay close attention to what is not covered. Normal wear and tear, for example, is rarely covered. Similarly, damage caused by neglect or improper maintenance likely won't be compensated.
• Deductible: This is the amount you'll pay out-of-pocket before your insurance kicks in. Know this amount upfront.

Common Scenarios Where Insurance Might Cover Window Replacement

Several situations might lead to your insurance company covering the cost of new windows. Documenting these scenarios with photos and videos is incredibly important.

1. Severe Weather Damage:

• Wind Damage: Strong winds can shatter windows, causing significant damage. If a storm is responsible, meticulously document the damage with photos and potentially a weather report confirming the severity of the storm in your area.
• Hail Damage: Hailstorms can leave windows cracked or completely destroyed. Similar to wind damage, photographic evidence is vital.
• Tree Damage: If a tree falls on your house, damaging the windows, your homeowners insurance should cover the replacement costs.

2. Vandalism or Malicious Mischief:

If someone intentionally damages your windows, your homeowners insurance likely covers the replacement. File a police report and provide a copy to your insurance company as part of your claim.

3. Other Covered Perils:

Check your policy for other covered perils, such as fire, lightning strikes, or explosions. If a covered peril damaged your windows, you’ll likely have coverage.

Steps to Take When Filing a Claim

Filing a claim effectively increases your chances of getting your window replacements covered.

1. Contact Your Insurance Company Immediately:

Report the damage as soon as possible after the incident occurs.

2. Document the Damage Thoroughly:

Take clear photos and videos of the damaged windows from multiple angles. Note the extent of the damage and any other related damage to your property.

3. Keep Records:

Maintain copies of all communication with your insurance company, including emails, letters, and phone call notes. Keep receipts for any temporary repairs or related expenses.

4. Be Honest and Accurate:

Provide accurate and complete information to your insurance company. Avoid exaggerating the damage or omitting relevant details.

When Insurance Might Not Cover Window Replacement

It's important to know that some scenarios might not be covered by your homeowners insurance:

• Normal Wear and Tear: Cracks due to aging or general deterioration are rarely covered.
• Neglect or Improper Maintenance: Failing to maintain your windows properly may void coverage.
• Pre-existing Damage: If the damage was present before the incident, it might not be covered.

Remember, proactively reviewing your policy and documenting the damage thoroughly is critical to successfully filing a claim. By following these steps, you'll significantly improve your chances of securing insurance coverage for your new windows.