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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

"The installation crew was very professional and answered what questions I had. And they cleaned up when they were finished. We're very pleased with our windows & patio doors. Highly recommend Renewl by Anderson."

Pamela D
Feb 13, 2023

"Very pleased with installation of six windows and a ProVia entry door. I love the look of the windows and door. I am pleased that my wife is thrilled with the look of the door. She is very pleased that the bronze color fits in well with the color of the brick."

Terry S
Feb 8, 2023

"I just had my Renewal by Andersen windows installed and couldn’t be happier, the entire process went very smoothly. The windows are high quality and look great. But the installers Roy, Zack and Jordan were the stars, they introduced themselves upon arrival walked me thru everything they were going to do and when they finished took me to each window to make sure I was completely satisfied. They were clean and courteous and I would definitely recommend and have them work in my home again."

BOB B
Feb 6, 2023

"Wonderful experience with knowledgeable, competent employees. We had Andersen windows in a previous house & didn’t even consider anything else this time. After replacing our patio door almost two years ago, we replaced all our windows this year. What a difference over builder-grade windows, especially in the really cold temperatures we’ve had this year. Andersen windows may be a little more expensive than other brands, but they are top quality."

Susan S
Jan 31, 2023

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