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Broken WindowWindows are a key structural component of your home, and a valuable one at that. There is no doubt that maintaining and securing your windows helps keep your home safe.

When something does happen to your windows, you'll probably need repairs right away. In some situations, calling on your home insurance policy can be helpful in covering repair costs.

However, sometimes your insurance will not cover these losses. In these situations, it's a good financial decision not to file a claim. Before you make this decision, consider a few key factors.

How Much Is The Claim Worth?


If you have a single broken window, you might expect the repairs very expensive. After getting a quote for the repairs, you'll need to consider the true cost of this repair. It may not be as expensive as you thought.

Most home insurance policies have a deductible. This is the amount of money you pay out of pocket before insurance kicks in. If your deductible is more than the cost of the window, your insurance provider likely will not pay for the repairs. In this case, it's not worth filing a claim.

However, if the cost of the window repairs exceeds that of your deductible, it might be worth filing a claim, as your insurer will likely cover all expenses beyond your deductible.

What Caused The Damage?


As with many home insurance claims, it is important to consider the cause of the damage. If a window broke through no fault of your own and due to an unpreventable incident, your home insurance may cover the costs.;

However, some damage can occur due to normal wear and tear or poor maintenance. Your insurance policy will likely not cover the damages and replacement if this is the case.

In short, the best time to file a home insurance claim for your windows is when the damage is severe and repair estimates exceed the value of your deductible.

Contact your home insurance provider to learn more about the type of coverage you have. They can also tell you if your windows have coverage.

Looking for a new home insurance policy? We can help. Call Lancette Agency, LLC at (651) 264-1230 for a free Saint Paul, MN home insurance quote.
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