Schedule a Free Consultation

Homeowner’s Insurance and Coverage for Window Replacement

Windows may be made to last, but that doesn’t mean that they are completely invulnerable. There’s a good chance that you will have to deal with broken windows, but there are plenty of ways to make the expenses more manageable. The question is: does your homeowner’s insurance count as one of those?

Replacement windows

Open Peril vs. Named Peril Policies

Your homeowner’s insurance may cover the installation of replacement windows depending on the type of policy you have. For example, named peril policy will only cover the replacement if the cause of damage was specifically mentioned. Open peril policies will cover the replacement as long as the cause of damage was specifically excluded.

Not Much for Wear and Tear

Homeowner’s insurance policies are mostly designed to help you deal with unexpected (but necessary) repairs or replacements. Experts on windows say that if your windows got damaged by debris crashing into it during a windy storm, you’re likely to be covered. On the other hand, replacing old windows that have already been through years of wear and tear are rarely, if ever, covered by homeowner’s insurance.

Deductible Matters

Insurance policies will always have a deductible, which you will have to pay with your own money. The deductible’s amount greatly depends on your policy’s specific terms. If the cost of replacement is lower or only slightly higher than the deductible, you’re pretty much just paying for everything out of pocket and there’s no point making a claim.

Watch Your Insurance Rates

You always have to consider how your claim will affect your insurance rate. This is especially important when making a claim for replacement windows: one big claim takes less work to process than several smaller ones spaced out over the next few months. Multiple small-scale claims could cause your insurance rates to increase as they require more paperwork on the insurance provider’s side.

Need more help with replacing your windows? Get in touch with us. Renewal by Andersen® of St. Louis is the most trusted window company in Chesterfield and other parts of Missouri. You can call us at  (314) 332-2364 or fill out this contact form to request a quote.

Reviews

"This was one of the best experiences I've ever had with a company. I ordered the windows in November and was told they wouldn't be here until July. That kind of delay the new norm so I wasn't a bit upset with the timeline. I was given an early present when they called to say the windows would be in at the beginning of May. We agreed on the week of May 16th to do the installation, there were 30 windows and a sliding door to install. They arrived promptly on their scheduled install date, and got straight to work. By the end of day one, they had all the upstairs windows complete and their work was incredible. Day two came with more of the same, the crew showed up promptly, got straight to work, and when they left they had every window downstairs installed. The third day they again arrived on-time, and got to work installing the door. The door and windows are perfectly installed. The two lads that did the installation did a phenomenal job, and were friendly to boot. I would give them more business if I had any :) The service I received from the company was great. They kept me abreast of anything that was going on with my order. I appreciate my concierge, Christina, she was good at communicating timelines and getting everything scheduled."

Lane Maxwell
Jun 28, 2022

"The two installers were great! They were polite and hard working and they cleaned up all the outside and inside. It was like they were never here. As for the windows, I love them, not only looks great, they are efficient. Now every window in my home has Renewal by Anderson."

Mark Palsgrove
Jun 23, 2022

"We had the pleasure recently of having Andersen replace all of our windows. From the very first interaction with the office personnel through the completion of the project, they have been nothing but professional. From Brian our sales rep to Christina the appointment scheduler, they were a pleasure to interact with. Installers Keith, John, and Evan were fantastic to work with. They went above and beyond to repair an area which was slightly damaged during the removal of a window...caulked and painted it. They took extra precaution to ensure the floors were covered while working inside and cleaned up each day inside and out. We love the look of our new windows and can't wait to enjoy the savings in utilities they'll provide. Thanks so much Renewal by Andersen!!"

Kevin Corrigan
Jun 15, 2022

View All Reviews