There are so many perks that come with owning a home. You have the control to make upgrades or changes to almost anything you want, there are tax deductions, and of course the pride that comes along with being a Homeowner can’t be beat. However, the one thing that all homeowners can agree that is the least appealing aspect of homeownership is being 100% responsible for repairing damages. That is, if you don’t have home insurance.
Home insurance is always a good idea, especially with the kind of weather we get here in Southern Louisiana, as accidental damage happens more often than we’d like to think about. But did you know that most Home Insurance policies will offer protection on accidental damage done to your front door?
Unavoidable & Unexpected Damaged
Normal wear and tear or damage from neglect and lack of maintenance aren’t usually covered in your typical home insurance plan. The two kinds of damage that most home insurance policies offer protection from are unavoidable and unexpected.
- Accidental
- a child throws a baseball shattering the glass of your front door
- Unexpected
- a storm sends a tree branch through your front door causing damage
- vandalism or theft induced damage
Some doors may incur damage from air leaks or poor sealing that isn’t traditionally covered however, it’s possible that your door may have an existing warranty that can be utilized after speaking with the manufacturer.
There are several other scenarios that could fit these guidelines but if you’re dealing with a front door that you believe was damaged due to unavoidable or unexpected circumstances, contact your home insurance company to inquire about the level of coverage you can expect
What Happens Next?
After speaking with your home insurance agent, they will be able to help you get an estimate for the repair work or replacement. Usually, the claim you submit will pay for the repairs or removal of your current door as well as the installation (and fees) of your new door. If you’re hoping to use this twist of fate as an opportunity to upgrade your door, pay close attention to your policy. It may have a limitation on what it will pay out.
Being able to prove that the damage incurred was unavoidable or unexpected is vital! This will determine whether your claim is covered by your home insurance policy or not.
Who You Gonna Call?
In almost all cases, they will require you to work with a licensed technician. That’s where we come in!
Our expert craftsmen use character and creativity to design today’s most popular designs. Our commitment to quality and attention to detail is the foundation of our business. Our success is creating unique entryways that will give a sense of warmth, elegance and style to any home.
Contact Us!
Whether you are repairing, building, or remodeling, our staff will be happy to work with you and your insurance company in selecting the ideal entryway that will last even longer than the stunning first impression!
Contact us or give us a call at (504) 887-5440 with any questions or to get started today!
All You Need To Know About Glass Insurance
Properties located in busy areas like popular nightlife destinations or are exposed to the street can be at risk from vandalism, damage, or crime. Vandalism or property-related crime can leave you with broken glass everywhere which can affect your business' operations and your peace of mind. That's where glass insurance comes in handy. Glass insurance can be used to safeguard your residential or commercial property from internal or external glass breakage. Even homeowners can face accidental glass damage which makes glass insurance very useful. A good insurance cover and a trusted glazier can help you get your glass repaired in emergency situations quickly, providing you with worry-free repairs.
Commercial Plate Glass Insurance
Plate Glass Insurance, also called the Shop Front Insurance, covers damage or breakage of large glass panes or shop windows and signage. You may be required to take shop front insurance under your commercial lease agreement. Business insurance usually includes public liability insurance, product liability insurance, content, general property and shopfront glass.
Residential Glass Insurance
If your window, glass door, or shower glass breaks accidentally, the glass replacement costs might be covered under your Home and Contents Insurance Policy. For more information on the inclusions in your policy, check your PDS statement or speak to your insurer.
What is covered in Glass Insurance?
- Glass breakage
- Damage to stock or contents
- Cost to repair or replace the glass with similar quality
- Internal and external glass
- Illuminated signs
- Features like skylights, ornamentations, mirrors, and glass doors
Need an expert for glass repairs?
Get professional advice from a specialist glazier here
What is NOT covered?
Glass repairs or replacement for:
- Stock glass
- Glass in poor condition when the cover commences
- Glass which is a part of a greenhouse, computer screen, vase, TV screen, radio, conservatory
- Glass damaged in transit
Should you make a glass insurance claim?
Before you file your claim, analyse the damage and how the claim will affect your future premiums. You may have to pay an excess amount between $100 - $500 dollars or more depending on your policy. Some insurance policies also have an excess-free glass cover so you won't have to pay an excess when you make a claim for fixed glass in your home.
What to consider for your Glass Insurance Policy?
- Does your home insurance cover the cost of replacing internal or external glass?
- Are you in a neighbourhood prone to vandalism or theft?
- Do you have a commercial lease agreement and does your lease agreement require you to take glass insurance?
Choose an insurance policy well-suited for your needs. For residential customers, a home insurance policy may include cover for glass damage. And for businesses, some business insurance can cover internal or external glass breakage. Make sure you read the Product Disclosure Statement (PDS) carefully. Having a good glass insurance policy is great. But you also need qualified and licensed glaziers to take care of your glass replacement needs.
Glass One for Insurance Repairs
Glass One provides glass replacement services for homes and businesses. Whether you need a replacement for a window, door or shopfront, our glaziers are experts in the field. We provide high-quality glass available in a range of options. Our glaziers can provide emergency glass replacement services and arrive at your premises promptly with a range of glass options. For all your broken glass replacement needs, contact Glass One today on 0436 452 771 or complete our online enquiry form.
Important note - this article is of a general nature only - contact your insurance or financial provider for specialist advice.