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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

"We had a large picture window and two side windows replaced. Everyone from the person who took our order to the installers were top notch. We got exactly what we wanted. Granted, we had to wait a few months, just like you do for everything these days, but we were told that up front. The windows were well worth the wait. We've replaced windows before by going to home maintenance stores. Don't waste your money on those. Our Renewal by Andersen windows look great, they operate like a dream, and are worth every penny. Quality through and through."

C. Roberts Owens | RbA of St. Louis, MO - Maryland Heights

"Extremely satisfied, definitely will use again, worth every penny!"

B. Huggins | RbA of St. Louis, MO - Maryland Heights

"They did exactly what they promised. They showed up on the day they were scheduled put in the doors and window we ordered. The installers were friendly, efficient and cleaned up as promised. We were happy with the entire process!"

R. Daw | RbA of St. Louis, MO - Maryland Heights

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