Does Homeowners Insurance Cover Broken Windows?

Posted on November 15, 2022


Long Nguyen | author

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ICHQ | Site Author

Hurricane season often means broken windows, which can be exceptionally expensive to replace. If you have concerns regarding whether or not your broken windows are covered, reach out to an experienced New Orleans homeowners insurance claims attorney today.

Your Broken Window Claim

The answer to whether homeowners insurance covers broken windows depends upon the kind of coverage you carry and what caused your window to break.

Bad Weather

Homeowners insurance generally covers windows that are broken in the course of a storm, such as a hurricane, as part of the policy’s standard perils. Homeowners’ policies are generally written as named-peril or open-peril policies. If yours is a named-peril policy, it will include a list of specific risk factors that are covered, and if yours is an open-peril policy, any risk factor that is not specifically excluded will be covered.

In either case, severe storms are generally covered. It’s important to note here that having windows that offer serious wind protection can not only decrease the damage you experience in a hurricane but can also decrease your homeowners’ insurance premiums in the state of Louisiana.


Most homeowners’ policies cover damage, such as broken windows, from vandalism and break-ins.

The Proverbial Broken Window

If your kid throws a ball through your neighbor’s window, or vice-versa, the liability portion of the policy owned by the parent of the kid who threw the offending ball is responsible for covering the damage. This is true regardless of the kind of accident that causes the broken window. If, however, you are responsible for breaking your own window, your homeowners’ coverage does not apply.

Turn to an Experienced New Orleans Homeowners Insurance Claims Attorney

If you’ve lost windows in your home to a storm, a break-in, a fire, or any other covered peril, obtaining fair compensation is critical, and having professional legal guidance on your side can help immensely. The New Orleans homeowners insurance claims attorneys at Insurance Claim HQ focus their well-respected practice on skillfully advocating for our clients’ best interests – in pursuit of favorable claim resolutions.

Your claim is important, so don’t delay contacting us for more information about how we can help you today.

Homeowners Insurance FAQs

Am I covered if I lose windows in a hurricane?

Yes, most homeowners’ policies cover windows that are broken in serious storms like hurricanes.

Does homeowners insurance cover window replacement?

Yes, if your broken window is covered, your insurance provider should pay for either its repair or its replacement – depending on how the policy is worded and the extent of the damage.

Do I need a homeowners insurance claims attorney?

If you have any reason to believe that the homeowners’ insurance company is not taking your claim seriously, is not adequately addressing all your covered damage, is attempting to stall the process, or is engaging in any practice that is designed to thwart your just compensation, it’s in your best interest to work with a dedicated homeowners insurance claims attorney.