The short answer
Windows broken by hail, wind, vandalism, theft, or a covered peril are paid, subject to deductible. A single window replacement is often $300–$800 — usually below the deductible, so filing isn't worth the CLUE mark. Broken by household members isn't covered on standard HO-3 without an accidental damage endorsement.
Frequently asked
- Is it worth filing?
- Only if the loss exceeds your deductible by a meaningful margin — a claim on CLUE can raise renewal 5–15%.
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