Does Homeowners Insurance Cover Window Replacement?
- 35 POINTSview profileJames KamphenkelAssuming that you have replacement cost coverage on your dwelling, your homeowners insurance policy would cover the replacement, new for old without depreciation, of windows damaged by an insured cause of loss and subject to the policy deductible. If by "window replacement" you mean "full glass" like that which may be available on your auto policy - then no, the deductible would have to be satisfied first.Answered on May 17, 2013flag this answer
- 1909 POINTSview profileHDA Insurance BrokerageDirector, HDA Insurance Brokerage, CaliforniaHomeowners Insurance will cover window replacement for broken windows caused by a covered loss; depreciation and the policy deductible will be a key factor regarding the payout of the loss; you must review your policy contract for more specific terms and conditions. To review, policy forms, you may review the following link where the Insurance Services Office Form Homeowners 3 (HO3) is published: http://www.hdainsurance.com/forms/HO_00_03.pdfAnswered on May 19, 2013flag this answer
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