We broke 2 window panes and caused about half a dozen holes in our siding over the past mowing season due to rocks. Does our homeowner’s cover this?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Aug 25, 2012
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Nashville, TN
Asked on 08/25/2012
We broke 2 window panes and caused about half a dozen holes in our siding over the past mowing season due to rocks. Does our homeowner’s cover this? [email protected]
Answer given on August 26, 2012
Broken windows are covered under the homeowner insurance policy. However, your policy has a deductible that will apply to all losses. Since the broken windows occurred over multiple times during the season, they will be considered separate instances and the deductible will apply to each loss. Based on this, you probably will not have one single loss that exceeds your deductible. In addition you could be surcharged for having a loss if it does exceed the deductible. You might be better served fixing the windows and finding a new mower that does not throw up rocks to prevent this from happening again.If you try to report the claim as one incident the adjuster will investigate and will probably be able to determine how the losses happened. You would then be facing a problem since you would have filed a false claim. Your insurance could be cancelled and you would find it very difficult to find a new insurance policy.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.