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Broken window pane
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tahir



Joined: 28 Oct 2004
Posts: 43954
Location: Essex
PostPosted: Tue Dec 01, 15 11:35 am    Post subject: Broken window pane  Reply with quote    

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?

tahir



Joined: 28 Oct 2004
Posts: 43954
Location: Essex
PostPosted: Tue Dec 01, 15 11:38 am    Post subject: Reply with quote    

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)

sean
Downsizer Moderator


Joined: 28 Oct 2004
Posts: 41722
Location: North Devon
PostPosted: Tue Dec 01, 15 11:48 am    Post subject: Reply with quote    

How old are the windows? I'd have thought you were entitled to expect at least ten years out of the sealed units.

tahir



Joined: 28 Oct 2004
Posts: 43954
Location: Essex
PostPosted: Tue Dec 01, 15 11:49 am    Post subject: Reply with quote    

2011, I thought so too, but I spoke to Which? and they said no

sean
Downsizer Moderator


Joined: 28 Oct 2004
Posts: 41722
Location: North Devon
PostPosted: Tue Dec 01, 15 11:51 am    Post subject: Reply with quote    

Insurance it is then.

Nick



Joined: 02 Nov 2004
Posts: 33696
Location: Hereford
PostPosted: Tue Dec 01, 15 11:56 am    Post subject: Reply with quote    

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.

tahir



Joined: 28 Oct 2004
Posts: 43954
Location: Essex
PostPosted: Tue Dec 01, 15 12:15 pm    Post subject: Reply with quote    

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?

BahamaMama



Joined: 21 Sep 2006
Posts: 2315
Location: Away with the fairies
PostPosted: Tue Dec 01, 15 12:42 pm    Post subject: Reply with quote    

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.

Treacodactyl
Downsizer Moderator


Joined: 28 Oct 2004
Posts: 25697
Location: Jumping on the bandwagon of opportunism
PostPosted: Tue Dec 01, 15 12:42 pm    Post subject: Reply with quote    

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.

tahir



Joined: 28 Oct 2004
Posts: 43954
Location: Essex
PostPosted: Tue Dec 01, 15 12:58 pm    Post subject: Reply with quote    

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

dpack



Joined: 02 Jul 2005
Posts: 33026
Location: yes
PostPosted: Tue Dec 01, 15 1:09 pm    Post subject: Reply with quote    

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)

Nick



Joined: 02 Nov 2004
Posts: 33696
Location: Hereford
PostPosted: Tue Dec 01, 15 1:47 pm    Post subject: Reply with quote    

Double glazing is very effective.

tahir



Joined: 28 Oct 2004
Posts: 43954
Location: Essex
PostPosted: Tue Dec 01, 15 2:05 pm    Post subject: Reply with quote    

Nick wrote:
Double glazing is very effective.


tbh we haven't noticed it being colder in that room

Nick



Joined: 02 Nov 2004
Posts: 33696
Location: Hereford
PostPosted: Tue Dec 01, 15 2:31 pm    Post subject: Reply with quote    

2k buys a very nice jumper each.

Slim



Joined: 05 Mar 2006
Posts: 4734
Location: New England (In the US of A)
PostPosted: Tue Dec 01, 15 2:32 pm    Post subject: Reply with quote    

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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