Is hail damage to the roof window covered by the building insurance?
Roof windows provide a lot of light in your home. However, during a heavy hail storm there is a risk of damage to your roof windows. Hail damage is part of the basic coverage of your building insurance. However, with most insurers glass is not included in the standard insurance. By taking out additional glass insurance you ensure that your roof window is insured in the event of hail damage. We will tell you more about this.
What is the best way to insure the roof window?
The best way to insure one or more roof windows is to take out additional glass insurance. With glass insurance, you are insured for damage to all your windows. This concerns windows that are meant to let daylight in. Other glass items, such as a mirror, vase or aquarium are not insured. For this you can take out household contents insurance. Supplementary glass insurance is a good idea, because window damage to your home is obviously very annoying. Broken windows increase the risk of burglary and theft. Moreover, especially in winter, broken windows can make the house cold. Hailstorms have become more frequent in recent years. Therefore, it could happen that a heavy hailstorm destroys your skylight. With an additional glass insurance on your building insurance you are insured for this.
What are the conditions?
The insurer may impose certain conditions on the cover. For example, damage that could have been foreseen in advance is usually not insured. For example, you may have left a skylight open while you knew that a big hailstorm or storm was coming. Moreover, insurers often charge an increased own risk for hail damage. Always check the policy conditions of your building insurance to make sure that your roof windows are properly insured in case of hail damage.
Get property insurance through Alpina
At Alpina.nl you can take out buildings 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 take a look at our frequently asked questions about home insurance. Here we have collected even more information for you. If you have any questions about taking out insurance, please do not hesitate to contact us. Our insurance specialists will be happy to help you!
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