Homeowners insurance typically covers window replacements resulting from specific events, but the coverage may have limitations. Understanding the insurance coverage and limitations can help you make informed decisions when it comes to window replacement.
Homeowners insurance typically covers window replacements caused by covered perils such as:
Weather Disasters: Storms, lightning, hail, and other severe weather events that damage windows are generally covered.
Vandalism: Intentional destruction or damage to windows, including broken panes or stolen components.
Theft: Burglary or theft that results in broken windows or stolen window parts.
Liability Insurance for Damages by Third Parties: Injuries or damages unintentionally caused by others, such as a neighbor’s child breaking a window.
Limitations to Coverage
However, insurance policies generally do not cover damages due to:
General Wear and Tear: Gradual deterioration or breakage due to aging or normal use is not covered.
Windows Not Performing as Well with Age: Issues such as drafts or improper sealing due to aging are not covered.
Accidental Breakage: Unintentional damage caused by the homeowner, unless it results from a covered peril or personal liability.
Considerations Before Filing a Claim
Before filing an insurance claim for window replacement, it’s important to consider the following:
Deductible Amount: The deductible is the amount you have to pay out-of-pocket before insurance coverage begins. Compare the deductible to the cost of repairs to determine if filing a claim is financially beneficial.
Replacement Cost Coverage: Most policies cover only the least expensive replacement window, which may be of lower quality than your existing windows. Consider the cost difference between the covered replacement and the quality of window you want to install.
Alternative Options: Instead of a full replacement, consider a glass-only replacement, which is usually less expensive and may be fully covered by insurance.
If your windows are damaged and covered by insurance, follow these steps:
Contact Your Insurance Company: Report the damage promptly and provide details about the cause and extent of the damage.
Determine Coverage: Confirm that the damage is covered and clarify the amount of coverage available for replacement.
Choose a Contractor: Find a reputable contractor to provide estimates for the replacement cost and discuss your options.
File a Claim: Submit a claim to your insurance company, including the contractor’s estimate and any necessary documentation.
Remember, homeowners insurance is intended to cover unforeseen events, not upgrades. Consider the limitations of coverage and explore alternative options for higher-quality or aesthetic replacements.
Does homeowners insurance cover window replacement?
Yes, homeowners insurance typically covers window replacements for damages caused by covered perils such as storms, vandalism, theft, and third-party liability.
Is the full replacement cost covered?
No, most policies cover only the cost of the least expensive replacement window option, which may be of lower quality and durability.
What if I want to replace with a higher-quality window?
Insurance may not cover the additional costs of a higher-quality replacement window. You may need to pay for the difference out-of-pocket.
Are there alternatives to full window replacement?
Yes, consider a glass-only replacement, which usually costs less and may be fully covered by insurance.
What steps should I take if my windows need to be replaced?
Contact your insurance company to confirm coverage and discuss deductibles.
Choose a contractor who offers the services you need and fits your budget.
Be aware of the limitations of homeowners insurance coverage and consider alternative options for higher-quality or aesthetic replacements.
