Does Home Insurance Cover Foggy Windows?
If your home has foggy windows, you might wonder whether your insurance company covers the cost of repairing them. Unfortunately, most homeowner’s insurance policies do not cover this type of damage. Foggy windows are caused by a faulty window seal, which occurs as windows age and weather conditions change. If you think your home insurance will cover this repair, call them for a free estimate. Alternatively, you could try to fix the problem yourself.
Homeowners insurance policies cover certain types of natural disasters, which varies depending on your location. Most policies cover fire, blizzards, hail, and windstorm damage. However, most do not cover earthquake damage or flooding. If this is the case, it would be worth checking your insurance policy to make sure. Taking steps to prevent foggy windows will not only keep your home safe, but also extend the life of your windows.
If you have other structures coverage, your insurance policy may cover damaged windows. However, you may have to pay the deductible first before the insurance will cover the damage. If your deductible is $1,000, repairing a damaged window may cost you more than half of that. If your deductible is $750, you might want to consider fixing it yourself instead of filing a claim. Plus, filing a claim can raise your homeowner’s insurance premiums.
Foggy windows can occur from a broken window seal. When this occurs, moisture will seep between the window panes and cause damage. This moisture can lead to mold growth and water damage. If you don’t fix the problem quickly, your insurance company may refuse to cover the damage. A broken window seal could cost you a lot of money, so it’s best to repair the problem before it gets worse.