Does Building Insurance Cover Broken Windows?

When a window breaks, homeowners often wonder if their building insurance will help cover repair costs. The answer depends on the cause of damage and the specific wording of your policy.

1. Covered Events for Broken Windows

Building insurance typically covers window damage if it results from sudden and accidental perils, including:

• Storms, hail, or debris hitting the window

• Vandalism or attempted break-ins

• Fire, explosions, or other catastrophic events

• Accidental damage—only when you’ve purchased the optional add-on coverage

These are standard insured events most policies include.

2. What Is Not Covered

Insurance usually does not cover broken windows caused by:

• General wear and tear and aging materials

• Damage from poor maintenance or pre-existing conditions

• Improper installation or negligence

• Cracks or seal failure due to gradual deterioration

If the damage is due to slow decay rather than a specific event, you’ll likely need to pay for repairs yourself.

3. Are Optional Add-Ons Needed?

Some insurers offer glass cover endorsements:

• A “glass breakage” add-on may waive the deductible for fixed windows

• Without it, even accidental damage may be subject to full policy deductible

• Custom, stained, or impact-resistant windows may require special coverage

Review your policy to see if such endorsements are available or needed for your situation.

4. Filing a Claim Successfully

For the best outcome:

• Document the damage thoroughly with photos

• Report the incident as early as possible

• Obtain repair estimates if required

• Check if filing a claim is worth it—if repair costs are below your deductible, you may decide to pay directly

Filing unnecessarily small claims may impact future premiums or cause renewal issues.

5. Impact of Deductibles and Limits

Even when coverage applies:

• You must first meet your policy deductible

• If the cost is less than your deductible, the insurer will not reimburse you

• Multiple windows broken by the same disaster may combine for a valid claim

• Some insurers place caps on glass repair per incident

Understanding your deductible and limits helps you decide whether to claim or self-pay.

Summary Table

Final Thoughts

Broken windows are covered by building insurance only when caused by sudden events listed as insured perils. Repairs from age, maintenance failures, or premature aging aren’t covered. Optional glass or accidental-damage endorsements may improve your protection but often come with higher costs or lower deductibles.

Need help reviewing your building insurance or adding glass coverage?
With over 30 years of experience and access to nearly 100 carriers, THAgency compares policies to find the most comprehensive and cost-effective solution for your home—but you would send the request for us to act.