During the rainy season, Hong Kong’s weather is quite unstable with typhoons and rainstorms which often cause a lot of damage and disruption. Last year, a window was blown out from its frame and sent crashing into the window of the opposite flat before shattering on the ground below. Fortunately, no one was injured in this accident.

Does home contents insurance provide cover for window frames being damaged by typhoons?

Firstly, it has to be determined whether the window frame is an original fixture or the insured’s own improvement and the coverage of the policy. Home Protector insurance policy covers household improvement under home contents section. Household improvement refers to improvements and betterments to walls, windows, ceilings, floors or doors, which then cease to be the property’s original fixtures as purchased. Therefore, if the insured has made improvements to the original window frames, he/ she should make a claim under his/her home contents insurance.

By contrast, if there is no improvement or betterment made to the window frames, they will be regarded as part of the building structure and will only be covered by the building section which is an optional cover to a Home Protector insurance policy.

Customers are advised to consider taking out a home contents insurance with a building section as the optional cover in order to enjoy comprehensive coverage.

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