Does Homeowners Insurance Cover a Broken Sliding Glass Door?

You might be wondering, does homeowners insurance cover a broken sliding glass door? The answer is: it depends. There are a few things that you need to take into account when trying to figure out if your homeowners insurance policy will cover a broken sliding glass door. 

In this blog post, we will discuss when homeowners insurance covers a broken sliding glass or patio door and when it doesn’t. We will also provide tips on how to avoid damaging your sliding glass door in the first place.

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Identify The Cause of The Damage

One of the first things you need to take into account is what caused the damage to your sliding glass door.  If the damage was caused by something that is not covered under your homeowners insurance policy, then you will most likely have to pay for the repairs out of pocket.

When Is Broken Sliding Glass Door Covered?

There are a few instances when homeowners insurance will cover a broken sliding glass door.

Natural Disaster

One instance is if the damage was caused by a covered peril, such as a windstorm or hail. In this case, your homeowners insurance would most likely cover the repairs.

Theft or Vandalism

Another instance when homeowners insurance would cover a broken sliding glass door is if the damage was caused by theft or vandalism. If your sliding glass door was broken during a break-in, your homeowners insurance would typically cover the cost of repairs.

When Is Broken Sliding Glass Door Not Covered?

There are also a few instances when homeowners insurance will not cover a broken sliding glass door.

Negligence or Accidental Damage

One instance is if the damage was caused by negligence or accidental damage. For example, if your dog just runs full speed into the door and breaks it, your homeowners insurance would not cover the cost of repairs.

Intentional Damage

Another instance when homeowners insurance would not cover a broken sliding glass door is if the damage was intentional. If you broke your sliding glass door on purpose, your homeowners insurance would not cover the cost of repairs. We’re not sure why you would do that, but to each their own.

How to Avoid Damaging Your Sliding Glass Door

There are a few things you can do to avoid damaging your sliding glass door.

Keep It Clean

One thing you can do is to keep the door and the tracks clean. Over time, dirt and dust can accumulate and make it harder for the door to slide open and closed. This can eventually lead to damage. Just be aware that the cleaner it is, the harder it is to see. Birds might start flying right into it.

Lubricate The Tracks

Another thing you can do is to lubricate the tracks. This will help keep the door running smoothly and prevent damage.

Check for Damage Regularly

You should also check for damage regularly and make repairs as needed. This will help prevent small problems from becoming big ones.

Deductible

Another thing you need to take into account is your deductible. If the cost of repairing your sliding glass door is less than your deductible, then it might not be worth filing a claim. In this case, you would just pay for the repairs out of pocket.

Conclusion

In conclusion, whether or not homeowners insurance covers a broken sliding glass door depends on a few factors. It is important to take into account what caused the damage and if it is covered under your policy. You should also check for damage regularly and make repairs as needed. By following these tips, you can avoid damaging your sliding glass door in the first place. We hope this was helpful. If you have any questions, please feel free to contact us.

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