Will home insurance cover broken front door?

Jmoo

We are having problems with our front door - it is not locking and it appears to be struggling in the frame.

It is quite an old glass door, and it is going to be expensive to replace. I'm just wondering if that's something claimable under home insurance or if I'm better getting the lock looked at?

I am with the Post Office (Silver Plus) Home Insurance. Locks appear to be covered, as does accidental damage to building/contents.

katejo

Jmoo said:

We are having problems with our front door - it is not locking and it appears to be struggling in the frame.

It is quite an old glass door, and it is going to be expensive to replace. I'm just wondering if that's something claimable under home insurance or if I'm better getting the lock looked at?

I am with the Post Office (Silver Plus) Home Insurance. Locks appear to be covered, as does accidental damage to building/contents.

My guess is no because I think the insurer would regard it as natural wear and tear. Also a claim (or even attempted claim) might increase your premium/affect your no claims discount.

nofoollikeold

1. Sounds like wear and tear, not damage, so highly unlikely the insurance will cover it.
2. If you make a claim:
2.1 Your premium may well go up whether or not the claim is accepted.
2.2 You will have to pay any excess.  
3. I'd try asking neighbours for recommendations for a handyman.  Presumably the door is framed in wood, metal or plastic, so not entirely glass.  May just need some screws tightening and possibly a new lock.

Keep_pedalling

Contact a local locksmith, they may be able to repair it. This is what we did with our old aluminium back door recently. 

Jonboy_1984

Used to have issues with a wooden door that swelled around the hinge screws in wet weather and didn’t close properly.

Just to cover the another possible angle, make sure there are no cracks of signs or signs of movement in the wall above it that could lead to distortion.

ashe

If you have home emergency cover that often covers locks 

wont cover a new door unless it's unrepairable in which case it might contribute towards it, depending on the policy but they'll sort the lock out and any security risk eg if it won't close