Usually covered
- Storm damage, including hail and wind-blown debris
- Vandalism
- Break-ins and theft, including damage done getting in
- Falling objects such as tree limbs
Usually not covered
- Fog between panes from an old, failing seal
- Wear and tear, rot or rust
- Damage you could have prevented with routine upkeep
Check the deductible
Many policies have a deductible that's larger than the cost of replacing one pane. In that case a claim may not be worth filing. For a bigger loss, like several windows or a storefront, a claim usually makes more sense.
Renters generally aren't covered for the building's windows, since those belong to the owner. Businesses should check their commercial property policy, which may include glass coverage.
What to document
- Photos of the damage before anything is cleaned up or boarded
- A police report for vandalism or a break-in
- The date and cause, such as a storm
- A written estimate and invoice for the repair
How we help
We secure the opening first, photograph the damage, and give you a written scope and invoice to send with your claim.
Questions
Will a window claim raise my premium?
It can. That's another reason to compare the repair cost with your deductible before filing.
Should I board up before the adjuster comes?
Yes. Most policies expect you to prevent further damage. Take photos first, then secure the opening.