Is hail damage to the skylight covered by homeowners insurance?
Skylights bring a lot of light into your home. However, there is a chance that your skylights will be damaged during a hailstorm. Hail damage falls under the basic coverage of your home insurance. However, most insurers do not cover glass as standard. By taking out supplementary glass insurance, you ensure that your skylight is insured in the event of hail damage. We will tell you more about it.
What is the best way to (co-)insure the skylight?
The best way to co-insure one or more skylights is to purchase additional glass insurance. With glass insurance you are insured for damage to all your windows. These are windows that are meant to let in daylight. Other glass items, such as a mirror, vase or aquarium are not insured. For this you can take out contents insurance. Additional glass insurance is wise, because glass damage to your home is obviously very annoying. Broken windows increase the risk of burglary and theft. Moreover, especially in winter, with broken windows it can get cold in the house. Hailstorms have become more frequent in recent years. Therefore, it could just happen that a severe hailstorm will destroy your skylight. With an additional glass insurance to your building insurance, you are covered for this.
What are the conditions?
The insurer may place some conditions on coverage. For example, damage that was foreseeable in advance is usually not covered. For example, you left a skylight open while you knew a large hailstorm or storm was coming. Moreover, insurers often charge an increased deductible for hail damage. Always check the policy conditions of your building insurance policy to make sure your skylights are properly insured in case of hail damage.
Get property insurance through Alpina
At Alpina.nl you can take out building insurance including supplementary glass insurance. You can do this very easily in our online tool. You can first compare different home insurance policies. Moreover, you will usually see an indication of the monthly premium. Have you found the right building insurance? Then you can take out the insurance directly online.
Also check out our frequently asked questions about home insurance. Here we have collected even more information for you. If you still have questions about insurance, you can of course always contact us. Our insurance specialists will be happy to help you!
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