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Licensed & Insured in Ontario
437-344-8490

The Documentation You Need for Your Glass Damage Insurance Claim

If your broken glass is covered by your home or business insurance, you file the claim with your insurer, and we give you the documentation you need to do it. We repair the damage, then provide a detailed, itemized invoice and job documentation suitable for your claim.

Call 437-344-8490Send Us Photos of the Damage

How It Works: You Handle the Claim, We Provide the Paperwork

LuminaSky is your glass repair company, not your claims handler. We don't file, process or manage insurance claims, and we don't deal with insurance companies or bill them on your behalf. You stay in control of your claim and your communication with your insurer. Our job is to repair the damage properly and to give you clear, complete documentation to submit.

What We Provide for Your Claim

  • Detailed itemized invoice: materials, glass type and labour, listed separately.
  • Before and after photos, dated, of the damage and the completed repair.
  • Measurements and glass specifications: size and glass type (tempered, laminated, Low-E, sealed unit), and why that type is required.
  • Emergency securing details, if we boarded up: date, time of the call and time on site.
  • A written estimate before the repair, if your insurer wants to see the cost before you go ahead.

Your Steps

1

Make the area safe

After a break-in, also get a police report number.

2

Call us, 24/7

If needed, we secure the opening as quickly as possible and photograph the damage. Emergency glass repair →

3

Contact your insurer to start your claim

You handle all communication with them.

4

Ask us for a written estimate

If your insurer wants one before approving the repair.

5

We complete the repair

And give you the itemized invoice and job documentation to submit with your claim.

Is Broken Glass Covered by Insurance?

It depends on your policy. Many home and commercial policies cover sudden glass breakage, such as storm damage, break-ins and accidents, and the cost of reasonable steps to prevent further damage, like a board-up. Your deductible applies. For a smaller repair, paying directly can be simpler than claiming; we give you the price first so you can decide. Only your insurer or broker can confirm what your policy covers.

We aren't an insurance company or broker, and we can't advise on coverage or deal with your insurer for you.

What affects the cost? →

Commercial and Condo Properties

For storefronts, offices and condo buildings, we provide the same documentation to the owner, tenant, property manager or condo board who is filing the claim. Commercial glass repair | Property managers | Who pays for condo window repair in Ontario?

Common Questions

Insurance Claim FAQs

Do you deal with my insurance company?
No. You handle the claim directly with your insurer. We provide a detailed invoice and job documentation suitable for your claim, and you submit it to them.
Do you bill my insurance company directly?
No. We invoice you, and you submit our invoice and documentation to your insurer for reimbursement under your policy.
What documents will my insurer want?
Usually photos of the damage, a police report number for break-ins, and an itemized invoice or estimate for the repair. We provide the repair-related documents; the police report and the claim itself come from you.
Should I call my insurer or a glass company first?
Secure the property first. An open window or storefront risks further damage, and most policies expect you to take reasonable steps to prevent it. Call us to board up and photograph the damage, then contact your insurer.
Does home insurance cover broken windows in Ontario?
Many policies cover sudden, accidental glass breakage, minus your deductible, while gradual problems like fogged sealed units or worn hardware usually aren’t covered. Check with your insurer or broker; only they can confirm your coverage.
Is it worth claiming for a single broken window?
Sometimes not. If the repair costs less than or close to your deductible, paying directly may be simpler. We give you a written price first so you can decide.

Broken Glass? Get It Repaired and Documented

Call 437-344-8490 or WhatsApp us photos of the damage.

Call 437-344-8490Contact Us

Quote by visit: $30  |  Quote based on photo: Free

*The $30 visit fee is credited toward your final payment if you proceed with the work

Or email us: Service@Luminasky.com