Does Building Insurance Cover Broken Windows?

Yes, building insurance generally covers broken windows if the damage is caused by certain insured events. These events are usually outlined in your policy and include risks such as storms, fire, burglary, or vandalism. However, it’s important to understand the specific circumstances under which broken windows are covered and when they are not.

When Are Broken Windows Covered?

1. Storm or Weather-Related Damage:
   If a storm causes a tree branch to break your window, or if hail shatters it, your building insurance will typically cover the repair or replacement costs. Weather-related damage is one of the most common scenarios where broken windows are covered.

2. Vandalism or Break-ins:
   If someone intentionally breaks your window during an act of vandalism or while trying to break into your home, your building insurance will likely cover the cost of fixing it. In the case of burglary, both the window and any stolen items could be covered, the latter under your contents insurance.

3. Fire or Explosions:
   If a fire damages your property and breaks your windows, building insurance generally covers the cost to repair or replace them, as fire is an insured peril in most policies.

4. Accidental Damage (Optional Add-On):
   Some policies include or offer accidental damage coverage as an optional extra. If your window is broken due to an accident, like a ball hitting it or a household mishap, your policy will cover it, but only if you’ve opted for this additional coverage.
   
   

When Are Broken Windows Not Covered?

1. General Wear and Tear:
   Building insurance does not cover damage caused by the gradual deterioration of windows over time. If your windows break due to old age, lack of maintenance, or are in poor condition, you will be responsible for the cost of repairs.

2. Pre-existing Conditions:
   Any damage that existed before you took out your insurance policy will not be covered. For example, if a window was cracked prior to starting your coverage, your insurer won’t pay for the repairs.

3. Negligence or Poor Installation:
   If your window breaks due to improper installation or negligence, it’s unlikely to be covered by insurance. Building insurance is designed to cover unexpected events, not issues related to poor workmanship.
   
   

Important Points to Consider

• Deductibles: When filing a claim for a broken window, you’ll need to pay the deductible first. If the cost to repair the window is lower than your deductible, it might not be worth making a claim.
• Premium Increases: Filing a claim, even for a broken window, could cause your insurance premiums to increase at renewal. Weigh the cost of the repair against the potential long-term increase in premiums.
  
  

How to Make a Claim for Broken Windows

If you need to make a claim for a broken window, follow these steps:

1. Document the Damage: Take photos of the broken window and the cause of the damage.
2. Contact Your Insurance Provider: Notify your insurance company as soon as possible and provide the necessary documentation.
3. Get Estimates: Obtain repair estimates, which your insurer may require before approving the claim.

Building insurance typically covers broken windows if they are damaged due to insured events such as storms, vandalism, or fire. However, wear and tear, poor maintenance, or pre-existing conditions are not covered. To ensure complete protection, consider adding accidental damage coverage to your policy.