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Are Windows Covered by Homeowners Insurance?
Are Windows Covered by Homeowners Insurance?
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  • Residential Roofing Indianapolis

    The roof is arguably the most important part of the home; in fact, without a roof, a house can hardly be called a home. The roof provides comfort, security, and safety from the elements. So if the roof ends up with any kind of damage, it could end up compromising all of the qualities that the roof is supposed to provide. The roof is particularly susceptible to wear and tear since it is exposed to the elements, and in Indianapolis, those elements can be varied and unpredictable.


Are Windows Covered by Homeowners Insurance?

New, energy-efficient windows are a great option if you’re thinking about home improvement. In many states, you might even qualify for tax deductions because these windows have properties that can help reduce your carbon footprint.

Energy-efficient windows help make your home more comfortable as they reduce air leaks. This can help you reduce your energy consumption, as your HVAC doesn’t have to work as hard to maintain a comfortable indoor temperature.

But what if your window breaks? Will you have to cover the cost of repairs on your own or will your homeowners insurance policy cover it? Here are some facts about insurance that will help you understand when your windows are covered.

Open-Peril vs. Named-Peril Insurance

A named-peril policy covers anything specifically listed in the policy. If your energy efficient doors and windows are listed, then your insurance is likely to cover the cost of repairs or replacement. However, you have to be sure to read the fine print to understand the conditions.

An open-peril policy is a better choice because you have a higher chance of being covered if your windows are damaged. Again, check the fine print for conditions.

Cause of Damage

There are qualifying conditions for insurance claims, and the cause of damage is one of them. Windows damaged during a hailstorm, for example, are likely to be covered by both open-peril and named-peril policies. But if your kids are playing catch indoors and accidentally break the window, the insurance provider is not likely to cover the damage. This is why you should read the fine print on your insurance policy.


Some repairs you’ll have to shoulder, because your insurance specifies amounts that they would cover. You’ll have to pay out of pocket until your deductible is met. For example, if the cost to repair a broken window is low, and you have a high deductible insurance policy (which comes with lower premiums to attract homeowners), you’ll still end up shouldering the repair costs, even if window damage is covered in your policy.

Maintenance Responsibility

Insurance policies are given with the understanding that you will be responsible for the maintenance of your home. So if your window breaks during a hailstorm, repairs might be covered, but if your problem is a leaking window because you didn’t maintain the seals, that’s on you.

Rate Increase

This has to do with administrative costs. Large or small claims entail the same administrative expenses. If you file a claim for a broken window and it’s relatively a small claim, your insurer might process it, but this might also lead to rate increases.

Get in touch with Universal Roofing & Exteriors to learn more about window insurance. We offer doors and windows installation, roofing and other services. Call us today at (317) 257-0779 or use this form to get your free quote. We work with customers in Indianapolis, IN.

About Rob Yeary

Rob Yeary is the owner of Universal Roofing. He is a graduate of North Central High School. Rob went on to become a 1986 graduate of Butler University, where he played baseball and studied business and economics.

  • Contact Us For All Your Indianapolis Roofing Needs

    No matter what kind of Indianapolis roofing project you need done, we at Universal Roofing & Exteriors can help you to achieve it. Whether you want your roof to be repaired or to be replaced completely, we can do it for you. We can send a contractor to examine your existing roof and let you know what needs to be done. Once their assessment is complete, they can give you various options on how to proceed. Once the roofing project gets started, our assigned contractor will make sure that it gets completed as efficiently and quickly as possible.

Contact Us to Get Started On Your Project

There’s no better combination than experience, quality products, and a strong work ethic when it comes to choosing a central Indiana roofing company. That’s why we are confident you’ll be satisfied with our work—so confident that we guarantee your satisfaction before you pay a dime. That’s right­—no payment unless you’re satisfied. Get a free estimate from us by filling out our request form or calling us at (317) 257-0779 . We can’t wait to give your home the attention and care it deserves.