To protect your home effectively, it’s crucial to understand what your insurance policy covers. At Roberts Family Insurance, serving Friendswood, TX, we frequently ask whether home insurance covers broken windows? Let’s delve into this topic to help you gain better insights.
Standard Coverage Explained
Most standard home insurance policies typically cover window damage resulting from unforeseen incidents. If a storm in Friendswood causes a tree branch to crash into your window, your policy will likely cover the repairs. Similarly, vandalism is generally included—meaning if someone intentionally damages your window, you should be protected.
Accidental Damage and Negligence
On the other hand, if your window shatters due to an accident within your home, like a wayward baseball, coverage might not be automatic. Some policies offer additional protection against accidental damage, but verifying with your provider is essential. Negligence—like failure to maintain your windows’ integrity—is typically not covered. Regular maintenance is key in keeping your home protected under your policy.
Filing a Claim
If you encounter a broken window, the first step is to document the damage. Take clear photographs and promptly contact your insurance provider. At Roberts Family Insurance, we are committed to guiding you smoothly through the claims process and answering any queries you might have.
Review and Update Your Policy
We recommend an annual policy review to ensure you have adequate coverage. Life changes, and so do your insurance needs. If you’re unsure whether your current policy includes coverage for broken windows, contact us at Roberts Family Insurance, serving the Friendswood, TX area. Our team is here to help you at every step.
