After the terrible wind we had on thursday i noticed a big crack in my daughters bedroom window. Can i claim on my insurance for this? If so which one building or household?
2007-01-21 10:58:07 · 14 answers · asked by NIcole 1 in Business & Finance ➔ Insurance
Glass is part of the building. You can put a claim in, but likely the cost to replace the pane of glass is under $100, and your deductible is most likely over $250. They will NOT pay to replace the entire window, only the pane of glass. They will look at the glass to see if it was a cold crack, or if something hit the window from the outside or inside. The only claim that is covered, is if something hit the window from the outside.
Plus, the claim will count against you as far as rating goes - you could be "uprated", and you WILL lose any loss free discount you might have.
Frankly, this should just come out of your house maintenance budget, I'd never file the claim if it were me.
2007-01-21 13:29:09 · answer #1 · answered by Anonymous 7 · 0⤊ 0⤋
Sorry to be negative but how do you thin the wind caused a crack in one window!? This would not be covered as storm damage unless but more like Accidental Damage. If it had been storm damage then you would expect to see a lot more. The best you can hope for is to be given benefit of the doubt! You will be asked how old the window is , where is the crack - internal pane or external? Again buildings - anything you can't take with you when you move! Contents is the opposite.
2007-01-21 11:09:36 · answer #2 · answered by Anonymous · 0⤊ 1⤋
it would be buildings insurance. however unless it is a large window (say a picture window of several metres area, then I dont think it will be worth claiming as the excess will probably outwieh the claim value
to amke a claim inform your insurers as soon as posisble, stating what happneed and ask for a claim form..some can take details over the phone.
beofre doing that I'd check what the excess is, and get a rough estiamte of waht it would cost to do the work., and then make your mind up.
2007-01-21 11:15:22 · answer #3 · answered by Mark J 7 · 0⤊ 1⤋
This will be a claim on your building insurance and you will have no problem whatsoever in claiming.
Most insurers have a preferred supplier for glass replacement (ie. Solaglass) so give them a call and they'll either appoint them directly or give you their freephone number.
This will be one of the easiest insurance claims you're ever likely to need to make.
2007-01-21 12:01:00 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Building. Household insurance covers your valuable items. Your window is part of the building. Anything FFF ( furnitures, fixtures and fittings) are under household.
2007-01-22 01:00:14 · answer #5 · answered by john a 2 · 0⤊ 0⤋
You can make a claim on your insurance for your home (the building).
2007-01-21 11:00:22 · answer #6 · answered by Dan S 7 · 0⤊ 0⤋
the claim would depend on the quality of the cover you bought. it would be buildings insurance. give em a call and find out
2007-01-21 11:01:16 · answer #7 · answered by egger 3 · 0⤊ 1⤋
Not only is it likely that your deductible is probably higher than the cost of the window, but if you put in a claim your premiums will probably get increased.
2007-01-21 11:06:43 · answer #8 · answered by Bill P 5 · 0⤊ 1⤋
Try both as most policies these days are jointly for house and buildings. Was it caused by the storm as you need to prove it and say how it was caused so no fairy tales?
2007-01-21 11:01:21 · answer #9 · answered by Exterminator 4 · 0⤊ 1⤋
It will be your buildings insurance
2007-01-23 22:09:49 · answer #10 · answered by RIZ 2 · 0⤊ 0⤋