Window leaks are one of the most common causes of water damage in a home. A window leak usually goes undetected until the resulting water damage is observed inside the dwelling, but that does not mean it does not happen to anyone. Water intrusion caused by a window leak can cause major damage to your home costing homeowners thousands in repairs. To help you avoid this costly problem, we will discuss how insurance may cover water leaks and what needs to be done if you find yourself with this problem.
Does home insurance cover leaking windows?
The answer is not as simple as you may think, in most cases, homeowners are not covered for water leaks caused by windows. Insurance policies differ, many insurance companies will only cover and pay for the “ensuing damage” caused by the leaking windows, but will not pay for the actual repair of the window itself. This is because window repairs are considered maintenance issues.
If you are experiencing problems with leaking windows you will need to check with your insurance agent to go over your coverage limits. After that call a trusted insurance adjuster in your area and finally call a professional contractor.
Does insurance cover rotted windows?
If the leaking window is around 20 years old or older, it most likely does not come with any warranty. If your siding has rotted due to water damage caused by a leaking window, you may be able to recoup costs of replacement through an insurance claim for damages or loss. But always double-check with your insurance policy and us for most people the best way to handle this situation is to call an insurance adjuster first and then a window repair professional.
What should I do if my windows leak?
If your windows are less than 20 years old and you notice water damage inside the house, there may be an issue with the installation of the panes or glazing on some of them. If this is not repaired immediately it can lead to water damage in the walls and ceilings. In this case, you need to call a window repair professional because it can be very dangerous if water is left standing for too long near electrical outlets or lights. Minor repairs are typically not covered by insurance, while major repairs might be.
Residential window leak claim services
If you are ready to move forward with an insurance claim, you can count on American Premier Claims. We will deal with the insurance company on your behalf and will always get you a fair settlement. If your claim was caused by broken pipes, a leaky roof, a water heater, or even a flood, we are available to help you in the State of Florida.
Call us or request a free claim analysis online today.
Does my homeowners insurance cover broken windows?
Broken windows that lead to water infiltration fall under standard homeowners’ insurance policies. Your policy will pay to replace your broken window or glass pane if it comes as a result of an accident, such as vandalism. If the incident occurs at no fault of anyone in particular and is caused by weather conditions, you may have to pay for the replacement yourself, unless you have hurricane coverage.
Window leaks are one of the most common and costly problems homeowners face. By understanding how your insurance policy can help you in the event of a window leak, you can be better prepared if it happens to you. Always remember to call a professional if you experience water damage as a result of a leaking window. They will be able to help assess the damage and offer a solution that will help you avoid paying to have the problem fixed twice.
Are repairs to my windows covered by my insurance policy?
No. It is important to remember that insurance covers damage caused by windows, not problems with the windows themselves. If your window breaks due to no fault of yours or someone else, you can file an insurance claim for replacement costs under your homeowners policy’s comprehensive portion. But if the incident occurs at no one’s fault and is weather-related, you may have to pay for the replacement window yourself.
If you are having problems with your windows and they are starting to leak, it is important to call a window repair professional right away. Many minor repairs are not covered by insurance policies, but major repairs might be. It is better to be safe than sorry and get the problem fixed before it becomes a bigger issue.
There are several causes of window leaks, but the most common are:
- Age of the window
- Improper installation or glazing problems
- High humidity levels indoors could cause condensation
- Water inside panes, is common after major storms
- Poor home maintenance could cause clogged gutters
What can be done to recover damages from a window leak?
If you find yourself with this problem, you must follow your insurance companies guidelines and procedures when filing the claim. Allowing home insurance claims adjusters access to your property and following their protocol will help you recover damages.
Do not allow your home insurance claim adjuster to limit the scope of their investigation by only looking at windows and ignoring other sources of water intrusion, such as moisture damage near window frames or leaks from skylights.
By following these guidelines you will be able to get back on track with any repairs that need to occur and make sure you are not facing damages from a leaking window.
Do I need to hire an insurance adjuster?
Is not required but highly recommended so that you can be sure to have an expert on your side. Many homeowners try to file claims on their own, but this is often unsuccessful because they do not know what to look for or how to properly document the damage.
An insurance adjuster has the experience and knowledge necessary to help you get the most from your claim. They will work with you to assess the damage, compile a detailed report, and help negotiate a fair settlement from your insurance company.
Residential window leak claim services
If you are ready to move forward with an insurance claim, you can count on American Premier Claims. We will deal with the insurance company on your behalf and will always get you a fair settlement. If your claim was caused by broken pipes, a leaky roof, a water heater, or even a flood, we are available to help you in the State of Florida. Call us or request a free claim analysis online today.
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