Homeowners’ insurance in Naples, FL may cover broken windows, but when it does depends on what caused the damage. You probably have coverage if a tree fell on your window or a windstorm broke it. But if your window breaks because it is old or hasn’t been well taken care of, your house insurance probably won’t pay for the repairs.
When it Covers Broken Windows
Broken windows can be caused by bad weather or normal wear and tear. The biggest sign of when and how your broken window might be protected is how it broke. As a general rule, home insurance covers damage that happens suddenly and by chance but not damage that happens because of poor upkeep.
How the window broke is the main thing that determines whether or not insurance will pay for it. Your home insurance policy’s dwelling coverage covers the structure of your home from a number of dangers or things that can cause damage or loss.
When it Doesn’t Cover Broken Windows
Not all sudden, accidental damage to a home is covered by homeowners’ insurance in Naples, FL. For instance, most plans don’t cover damage that you make to your own house by mistake. So, if your child throws a ball through a window or you break a window by mistake, you’ll probably have to pay for it yourself.
Also, keep in mind that your homeowners’ insurance won’t pay for regular repair or normal wear and tear on your windows. Call a company such as Company Name for a home insurance quote today to find out more.
