This is considered "normal wear and tear", which is never covered by auto insurance companies, rather than an "accident" or "ocurrence", which are covered by insurance companies.
Here are more opinions and answers from other FAQ Farmers:
Where do you live? If by any chance you live in Florida and have full coverage on your car they will pay for it without using your deductible The deductible does not apply for a windshield. I live in Florida and mine was replaced and I didn't have to pay anything. It was not cracked just pitted. Please call your agent
No, unless it is due to someone els's liability. As in, someone hit you and your windshield cracked, then it is covered. If you had Comprehensive coverage you would be all set. It depends on whose insurance is paying and what caused the windshield to break. If it's your insurance and a rock chips the windshield and you don't have comp/collision... no.
It depends on the specific provisions of your coverage; if you only have liability insurance, then no. If you have comprehensive coverage, then they will still only cover the cost above your deductible. Some insurance companies will cover windshield replacement with no deductible if you use their preferred repair company and agree to repair (rather than replace) the window if possible, but this is not universal. You should call your agent and ask.
Depending on the size, shape, availability and type, replacing an RV windshield can cost $1,000 – $5,000. The high cost of replacing a motor-home windshield is due to the glass product itself and the technical skill and labor of the experts who are hired to replace the windshield. Most often, your insurance company will cover the bulk of the cost of a windshield replacement. Some insurance companies will cover windshield repairs and, in some cases, offer additional glass coverage in their policies. RVs are notorious for taking rocks to the windshield, so consider inquiring about additional glass coverage.
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