Replacing Broken Windows and Filing an Insurance ClaimFebruary 09, 2020
There are many reasons your current windows need replacement. Whichever the case may be, it’s important to know that installing windows is not a cheap endeavor. Thus, many homeowners are wondering whether broken windows may be covered by their insurance company.
Renewal by Andersen® of Milwaukee, a casement window contractor, answers this relevant question, in today’s blog post.
Cause of Damage
Most insurance policies provide coverage in qualifying situations, depending on how your windows were damaged. In fact, you can choose between open-peril or named-peril policies. The downside of the latter is it only includes specific circumstances. An open-peril policy, on the other hand, covers damage due to different types of risk to the insured property.
For instance, hailstorms may impair your windows, which may be covered by both types of insurance policies. However, if you knocked over a ladder that fell through the window, the named-peril policy may not cover such damage since it often does not include accidents.
Wear and Tear
Typical wear and tear due to improper maintenance are excluded from insurance policies since it is your responsibility to take care of your windows. An example is when water seeped through the broken seals as a cause. This is not triggered by any weather event, so you can’t expect your insurance company to cover such damage.
Once you have noticed any damage on your windows, contact your local contractor, who installs high-quality replacement windows.
Although insurance companies are obligated to process small claims, especially if they fall under the policy guidelines, a string of small claims is costly. The administrative costs essential to the process are relatively the same.
Rely on Renewal by Andersen of Milwaukee for your window replacement needs. Our team will help you choose the right specialty windows that will match your home’s design and improve functionality. Call us today at (262) 522-3034 or fill out our online form to schedule an appointment. We serve residents of Milwaukee and other nearby areas in WI.