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tahir
Joined: 28 Oct 2004
Posts: 44229
Location: Essex
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 Posted: Tue Dec 01, 15 11:35 am Post subject: Broken window pane |
 
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We've had a sheet of glass in our triple glazed windows shatter, no sign of physical damage, it's a 3+1 system; a sealed triple glazed unit then blinds, then another pane on the outside. The pane that shattered is the outermost of the triple glazed unit.
The window manufacturers have said they're not responsible, and anyway warranty is only 3 years. Cost is almost 2k, money I need to do other stuff with right now.
I'm thinking of claiming on household insurance, but do I then need to imply that the breakage occurred as a result of an accident? |
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tahir
Joined: 28 Oct 2004
Posts: 44229
Location: Essex
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| Posted: Tue Dec 01, 15 11:38 am Post subject: |
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This looks like the relevant condition from the policy:
Accidental damage to fixed glass, sanitary ware, solar panels and ceramic hobs forming part of the building, but not:
damage that happens while the property is occupied by anyone other than you or a member of your family;
if your home has been unoccupied for more than 60 days in a row (unless the Insurance conditions shown on your schedule shows anything different) |
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sean
Downsizer Moderator
Joined: 28 Oct 2004
Posts: 41950
Location: North Devon
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| Posted: Tue Dec 01, 15 11:48 am Post subject: |
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How old are the windows? I'd have thought you were entitled to expect at least ten years out of the sealed units. |
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tahir
Joined: 28 Oct 2004
Posts: 44229
Location: Essex
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| Posted: Tue Dec 01, 15 11:49 am Post subject: |
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2011, I thought so too, but I spoke to Which? and they said no |
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sean
Downsizer Moderator
Joined: 28 Oct 2004
Posts: 41950
Location: North Devon
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| Posted: Tue Dec 01, 15 11:51 am Post subject: |
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Insurance it is then. |
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Nick
Joined: 02 Nov 2004
Posts: 33978
Location: Hereford
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| Posted: Tue Dec 01, 15 11:56 am Post subject: |
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| sean wrote: |
| Insurance it is then. |
Aye, this. My experience of house insurance is they'll pay without query, and won't impact next year's quote. My 60,000 claim caused my policy to rise by £4, iirc. |
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tahir
Joined: 28 Oct 2004
Posts: 44229
Location: Essex
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| Posted: Tue Dec 01, 15 12:15 pm Post subject: |
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Thanks guys, just been on the phone to them. Guess which muppet decided to exclude accidental damage from the policy as he'd never claimed on it in 20+ years? |
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BahamaMama
Joined: 21 Sep 2006
Posts: 2315
Location: Away with the fairies
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| Posted: Tue Dec 01, 15 12:42 pm Post subject: |
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Can you replace individual units? I have replaced several of my (rubbish) double-glazed windows by a local window company and the cost was very reasonable. |
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Treacodactyl
Downsizer Moderator
Joined: 28 Oct 2004
Posts: 25697
Location: Jumping on the bandwagon of opportunism
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| Posted: Tue Dec 01, 15 12:42 pm Post subject: |
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If it's shattered on its own it could well be how it was installed. Glazed units need to be supported well and the frames need to not move too much. I would have though it would have been covered by standard insurance, like tiles blowing off, rather than an accident.
I do dislike large pains of glass, they do seem to cause problems. |
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tahir
Joined: 28 Oct 2004
Posts: 44229
Location: Essex
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| Posted: Tue Dec 01, 15 12:58 pm Post subject: |
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| BahamaMama wrote: |
| Can you replace individual units? I have replaced several of my (rubbish) double-glazed windows by a local window company and the cost was very reasonable. |
Yes, but this is a huge triple glazed unit. I'd rather go with the manufacturer's own |
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dpack
Joined: 02 Jul 2005
Posts: 35006
Location: yes
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| Posted: Tue Dec 01, 15 1:09 pm Post subject: |
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umm the accidental exclusion seems to have scuppered that idea.
shopping around for a new unit or someone who can fix that one seems the next option ,you do have 2 sheets of glass left it might be possible to "demount"those and then it is only 1 sheet and a new "mount"to buy .
im a bit unsure of my memory but i think a chum mentioned mending sealed units with the undamaged parts when he was in the window building game.
it might be worth asking(otherwise it will be a new one and the lid of a rather posh cold frame for the garden) |
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Nick
Joined: 02 Nov 2004
Posts: 33978
Location: Hereford
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| Posted: Tue Dec 01, 15 1:47 pm Post subject: |
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Double glazing is very effective.  |
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tahir
Joined: 28 Oct 2004
Posts: 44229
Location: Essex
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| Posted: Tue Dec 01, 15 2:05 pm Post subject: |
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| Nick wrote: |
| Double glazing is very effective. |
tbh we haven't noticed it being colder in that room  |
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Nick
Joined: 02 Nov 2004
Posts: 33978
Location: Hereford
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| Posted: Tue Dec 01, 15 2:31 pm Post subject: |
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£2k buys a very nice jumper each. |
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Slim
Joined: 05 Mar 2006
Posts: 5367
Location: New England (In the US of A)
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| Posted: Tue Dec 01, 15 2:32 pm Post subject: |
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Unfortunately I've only ever known how to fix old windows (glaziers points and putty...)
Can you remove the broken pane and keep things looking neat?
(I grew up with single pane windows and think of double pane as fancy!) |
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