Whether you have casement or sliding windows installed, they’re always susceptible to damage caused by nature or accidents. This can include severe storms, a fire or any unexpected incident. This is where your homeowners insurance comes in handy, but there may be times when your damaged windows may not be covered. Andersen® of Kansas City and Central Missouri explains what you need to know:
How Your Insurance Works
Your homeowners insurance is a type of property insurance that covers losses and damages to your place of residence. This includes different assets in your home, such as furnishings and other material possessions. Having insurance is necessary not just because it protects your home against damage and/or theft but also provides liability coverage against any accidents that may affect it.
Knowing the Coverage for Damaged Windows
Depending on your homeowners insurance, you’ll have either a named-peril or an open-peril policy. A named-peril policy covers losses by specified perils, which means your damaged residential windows might not be covered depending on what caused it. On the other hand, an open-peril policy covers any damage caused by different types of risks, in which case your damaged windows are more likely to be covered.
If the damage was caused by hail storms or other severe weather events, then your windows are typically covered by both policy types. But keep in mind that both policies don’t cover damage caused by wear and tear. This is because the responsibility of maintaining the windows and the rest of your home falls solely on you, the homeowner.
If you’re looking for a good set of replacement double hung windows, Renewal by Andersen of Kansas City and Central Missouri has got you covered! Call us at (913) 385-1300 or fill out our convenient contact form online to request a free estimate. We serve Independence, Olathe and the surrounding areas.