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The glass in your wood-burning appliance, whether a wood-burning stove or a fireplace insert, has just broken.
Sometimes the glass breaks as a result of wear and tear, because the appliance is subject to a lot of use, but it can also happen that the glass in the door is broken by accident. First and foremost, remember that you may be entitled to compensation from your insurer.
1 - Check your home insurance policy
The first thing to check is your home insurance policy. In most cases, a comprehensive insurance policy covers glass breakage, but check that it includes interior items such as furniture. Doors and windows are often covered, but compensation for glass furniture is less common. All you need to do is mention this to your insurer when you take out your policy.
2 - Who is responsible for broken glass?
Window broken by the owner
If you are the homeowner and you, or one of the occupants of the household, have broken the window, you will need to contact your insurance company to arrange compensation for the glass. You will need to contact your insurance company to arrange compensation for the glass in your stove or fireplace insert.
Glass broken by the tenant
If you are a tenant, you are responsible for keeping your property in good repair, which includes replacing broken windows. You'll need to contact your tenants' insurance company. Unless the glass has broken as a result of wear and tear on the appliance, in which case the landlord's insurance will pay for the repairs.
Glass broken by a third party, a guest
If it is someone from outside the home, a guest for example, then it is the homeowner's civil liability insurance that may cover the cost of replacing the glass in the insert or stove.
In all these cases, you should check your insurance policy to find out whether it covers the cost of replacing the glass in your fireplace insert or stove.
3 - Notifying the insurance company of glass damage
Time limit for notifying the insurance company of glass damage
You have a maximum of 5 days to contact your insurer and report the glass damage. Only 2 days if the glass is broken as a result of theft.
Excess on replacing the glass in your wood-burning stove or insert
Depending on your insurance policy, you may have an excess. This is a sum that you will have to pay even if the insurance company reimburses you for the wood burner or stove glass. Some policies have no excess. Finally, some insurers may waive the excess if you choose to replace your insert or stove glass yourself. Ask your insurer for details.
What steps do I need to take with my insurer?
The steps to take vary from one insurance policy to another. Some insurers may ask you for a quote before paying compensation, others may appoint an expert to assess the damage (especially following a burglary), and some insurance policies have no excess.
Depending on the type of insurance, you may need to send a letter with acknowledgement of receipt. Other insurers require you to fill in an online form. In some cases, claims can be made by telephone or in person at your insurer's branch.
So contact your insurance company as soon as possible to find out exactly what you need to do and how much compensation you may be entitled to.
4 - Draw up an estimate for the replacement of the glass of a wood burning stove or insert
On Capska, you can easily draw up a quote for the replacement of your wood-burning stove or fireplace insert glass.
- To do this, you add the glass suitable for your heating appliance to the shopping basket on the site.
- Then fill in the details below the shopping basket.
You can then download a quote to send to your insurance company to cover the cost of replacing your ceramic glass.
5 - Replacing the old glass in a wood-burning stove or fireplace insert
Depending on your insurance claim, and your preference, you can call in a skilled craftsman to replace your glass ceramic, or you can do the replacement yourself.
In the video below, we show you how to replace the glass in your fireplace insert or wood-burning stove yourself. It's quick and easy if you follow the instructions.
Video - how to change the glass in your stove without dismantling the door (duration: 3 minutes)
Conclusion
You now have all the information you need to contact your insurer to claim reimbursement for broken glass on your fireplace insert or wood-burning stove.
If you have any questions, please contact us
Monday to Friday
9am to 12pm and 2pm to 5pm
on 02 31 53 20 70