Do I pay for my windshield replacement?

Q:
My windshield was damaged by debris during the first round of storms Sunday night and I was told my insurance company will need to pay for its replacement. Is this information correct?

A:
In the state of Florida, a windshield with a chip or crack that is not caused by a collision will be repaired or replaced free of charge if you maintain comprehensive insurance coverage. For reference, Florida Statute 627.7288 requires your insurance company to pay for any windshield replacement or repair that is not the result of an auto accident. The law explains even the deductible must be waived.

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