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?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 25, 2012

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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.

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