Is hail damage to a skylight covered by home insurance?
Skylights let plenty of light into your home. During a heavy hailstorm, however, there is a risk that your skylights could be damaged. Hail damage is covered under the basic coverage of your home insurance policy. With most insurers, however, glass is not automatically included in the coverage. By purchasing supplemental glass insurance, you can ensure that your skylights are covered in the event of hail damage. We’ll tell you more about it.
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What is the best way to insure your skylight?
The best way to insure one or more skylights is to purchase supplemental glass insurance. With glass insurance, you’re covered for damage to all your windows—specifically those designed to let in natural light. Other glass items, such as a mirror, vase, or aquarium, are not covered. For these, you can take out home contents insurance. Supplemental glass insurance is a wise choice, because broken windows in your home are, of course, very inconvenient. Broken windows significantly increase the risk of break-ins and theft. Moreover, especially in the winter, a house can get cold with broken windows. Hailstorms have become increasingly common in recent years. Therefore, it’s entirely possible that a severe hailstorm could shatter your skylight. With supplemental glass coverage added to your home insurance policy, you’re protected against this.
What are the terms and conditions?
The insurer may impose certain conditions on the coverage. For example, damage that could have been foreseen in advance is usually not covered. For instance, you might have left a skylight open even though you knew a major hailstorm or storm was coming. In addition, insurers often charge a higher deductible for hail damage. Always check the policy terms of your home insurance to see what conditions the insurer imposes, so you can be sure your skylights are properly insured against hail damage.
Take out home insurance through Alpina
At Alpina.nl, you can purchase home insurance that includes supplemental glass coverage. It’s very easy to do this using our online tool. You can start by comparing different home insurance policies. You’ll also usually see an estimate of the monthly premium. Once you’ve found the right home insurance policy, you can purchase it online right away.
Be sure to check out our frequently asked questions about home insurance. We’ve compiled even more information for you there. If you have any questions about purchasing insurance, please feel free to contact us at any time. Our insurance specialists are happy to help!
See also:
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