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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

"Scheduled for December, Installed in October, High quality windows and Excellent install team. I haven't seen people work together like that in years. I am definitely impressed."

Raymond Mills
Oct 13, 2022

"The service provided by Renewal by Anderson is great, both on the sales and the installation side. Our sales representative was very accommodating and helpful. The installation crew was efficient and they all were professional. These are really nice windows and a great upgrade especially from builder-grade windows."

Brad Allen
Nov 17, 2022

"It is great to do business with a company that still cares about what they do and respects the end goals. We appreciate your craftsmanship professionalism, and cannot say enough about the wonderful experience. It was clear from the onset of the installation we got the A Team and we certainly appreciate that."

1speedwagon
Nov 17, 2022

"Everyone I worked with from setting up the initial appointment to the salesman to the installers to everyone who checked on us and kept us updated on the progress of the windows was courteous, professional, and responsive. There’s always someone who is willing to answer your question without jumping through hoops which is rare these days! The installers were on time, did a beautiful job, cleaned up the space better than I expected, and even helped me with some blinds I couldn’t remove and fixed my squeaky front door! I’ve already recommended Renewal by Anderson to friends!"

Karen Mortillaro
Nov 19, 2022

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