Living in Ottawa, Canada, you know very well the charm and comfort of your home. However, something unexpected happens now and then—like a broken window. Many homeowners are puzzled by whether their insurance policy covers repairing or replacing broken glass. This blog aims to clear up any confusion and provide straightforward answers to some common questions about glass breakage and insurance.
Understanding Window Glass Breakage
Before deciding whether your insurance covers glass breakage costs, it’s important to understand why windows break.
- Accidental Damage
Children playing football in the yard, or perhaps a bird flies into the window—accidents happen. These are usually one-time incidents.
- Weather Conditions
Ottawa is no stranger to extreme weather. Hail, high winds, and even ice storms can break windows.
- Vandalism
Unfortunately, acts of vandalism can also lead to broken windows.
- Maintenance Issues
Sometimes, windows break due to poor maintenance. Age, wear and tear, and rot can weaken the glass over time, making it more susceptible to breaking.
Window Glass Repair vs. Window Replacement: What’s More Cost-Effective?
When a window breaks, you have two options: repair the glass or replace the entire window. Both options come with their own sets of benefits and costs.
- Repairing Window Glass
Generally, repairing a broken window is less expensive than replacing the entire unit. However, repairs might not be possible for all types of damage. Repairs might be a temporary solution if the damage is extensive or the window is old.
- Replacing the Window
Replacing the entire window can be more costly upfront, but it may save you money in the long run. New windows offer better insulation, security, and longevity. If your home has older windows, you might even see a reduction in your energy bills with new, more efficient replacements.
Does Insurance Cover Window Glass Breakage?
When it comes to insurance coverage for broken windows, the answer isn’t straightforward and depends on the specifics of your policy.
- Understanding Your Deductible
You pay your deductible out of your pocket before your insurance covers for it. If repairing the window is less than your deductible, you must cover the repairs yourself. For instance, if your window repair cost is \$200 and your deductible is \$500, you won’t get any reimbursement from your insurer. On the other hand, if your repair cost is \$800 and your deductible is \$500, your insurance will cover the difference up to your policy’s limit.
- Dwelling Coverage (Coverage A)
Most homeowners insurance policies include dwelling coverage. This coverage is generally “open peril,” meaning you’re protected from unexpected events unless something is explicitly excluded. If a storm or vandalism breaks your window, it’s likely covered. However, it won’t be covered if the breakage is due to wear and tear or poor maintenance.
Exclusions to Be Aware Of
Exclusions in insurance are certain conditions that your policy does not provide any coverage. For broken windows, some common exclusions include:
– Gradual Damage: Coverage doesn’t usually extend to things like rot or ongoing wear-and-tear.
– Negligence: If the damage results from poor maintenance, you’re out of luck.
– Intentional Acts: Any damage done intentionally by you or someone in your household will also not be covered.
Steps to Take When Your Window Breaks
Taking immediate action can save you money and hassle when a window breaks.
- Assess the Damage
Before making any calls, evaluate the damage. Is the window repairable, or will it need a full replacement?
- Temporary Fix
Cover the broken window to protect your home from the elements if it’s cold or raining. This also helps in keeping your house secure.
- Contact Your Insurer
Inform your insurance company about the incident. To file a claim for broken window coverage, you need to provide necessary documentation, such as photos of the damage. Your insurer will assist you in completing the claim process.
- Get Estimates
Get multiple estimates for both repairing and replacing the window. This gives you a clearer picture of your options and the costs involved.
- File a Claim
File a claim with your insurance if the repair costs exceed your deductible. Provide all required paperwork and cooperate fully with your insurer to ensure a smooth claims process.
Frequently Overlooked Factors
Several factors often get overlooked when considering whether insurance will cover glass breakage:
– Policy Details: Every homeowner’s insurance policy is different. Review your policy and consult your insurance representative to clarify what’s covered.
– Impact on Premiums: Filing a claim might affect your premiums. Weigh the cost of your deductible and potential premium increases against the repair or replacement cost.
– Additional Riders: Some policies offer additional riders for accidental glass breakage. These might be worth considering if you have special windows or live in an area prone to extreme weather.
Conclusion
Dealing with a broken window can be stressful, but knowing what your insurance covers can make the situation more manageable. In Ottawa, where the weather can be harsh, understanding your policy’s terms and the scope of your coverage is crucial.
Check your deductible and see if the repair cost exceeds it. Understand that dwelling coverage usually covers accidental damage but not wear-and-tear. Assess the damage, take immediate steps to protect your home, get estimates, and file a claim if necessary. Always update your policy and consult your insurance provider to understand your coverage options fully.
By being proactive and informed, you can handle window breakage effectively and ensure you’re not left bearing the burden of repair or replacement costs. Let’s face it: accidents happen. But being prepared makes all the difference in maintaining your home efficiently and cost-effectively.
Thank you for reading. If you found this information helpful, feel free to share it with other Canadian homeowners who might benefit from understanding if the glass breakage cost is covered by insurance.
