A Guide to Homeowner’s Insurance & Window Damage

storm damage

If one or more of the windows in your house recently sustained damage, you probably found this guide because you’re not sure what steps to take next. You are not alone! Many people throughout the Carolinas have never had to deal with homeowner’s insurance claims that involve window damage before. In this guide, you’ll learn what steps you need to take in order to file an insurance claim to have your windows replaced successfully. 

It is worth noting that every situation is different and, before you do anything else, you need to understand how your homeowner’s insurance policy is written. If you haven’t ever spent time truly assessing your coverage before, it would be wise for you to contact a local North Carolina or South Carolina agent who works for your insurance provider. The more you know about your personal policy, the easier it will be for you to file claims now and in the future. 

What types of coverage are there? 

The majority of homeowner’s insurance policies consist of four different parts. The amount of coverage you have in each area will depend upon the specific policy you selected. Below, you’ll see descriptions of each section. Understanding these different types of coverage will help you have an educated discussion with your insurance agent. 

      1. Dwelling – This insurance component covers your home’s physical structure. While it does not generally cover belongings, it does include built-in appliances, such as central air conditioning, windows, and doors. 
      2. Personal property insurance – This sort of insurance covers the things inside of your home. In some cases, jewelry, fine art, and other valuables require their own separate policies, but personal property insurance generally includes furniture, clothing, toys, electronics, and decorative items. 
      3. Liability insurance – This insurance area provides coverage for medical care if someone is injured on your property. If, for instance, a contractor fell off of your roof while installing a skylight, you would be glad to have liability insurance! 
      4. Additional living expenses insurance – This form of insurance, frequently called ALE insurance, helps to cover the costs of a temporary residence, such as a hotel room or a rental if your home is left too damaged to live in following a disaster. 
How do I prove my windows need to be replaced? 

As soon as you notice your windows require replacement, you should begin documenting what led to the damage as best you can. If, for instance, there was a natural disaster, you should take pictures of both the window damage and any other exterior damage. If, however, the window was broken in an isolated incident, such as a baseball being thrown, it’s a good idea to write down the timeline of what occurred in case you are asked later. 

Once you’ve documented the situation to the best of your ability, you should file your claim. Today, most companies make it easy to use their websites or their mobile apps to upload any necessary documents and photos. In fact, it may only take a few minutes to file your window damage claim. Should you have questions, don’t hesitate to call your insurance agent at any time. 

After your claim has been processed and you receive your insurance check, it’s time to find a reliable Carolina contractor to install your new windows. We hope you’ll choose the Hatch Homes team to handle your project. We are skilled at installing all types of windows and will walk with you every step of the way, helping you find the perfect products for your budget. Simply call our office to schedule a consultation. 

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