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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

"Renewal was fantastic! They kept you in the loop from ordering to installation. They informed you at every step of the process of what was happening. The installers were kind, courteous, and professional. Everything was cleaned up after the installation. It was as if they hadn't been there except to see your beautiful new windows. I highly recommend them."

Angie Klevorn
Nov 21, 2023

"3rd time using RBA for window replacement. Again, a very positive experience, the windows are great, the installation was done right, the professionalism was apparent from start to finish. Still have existing windows to be replaced and will definitely use RBA again to do it in the future."

Doug Dick
Nov 21, 2023

"Renewal by Andersen was a good experience for us in replacement of our windows. From the initial meeting with the sales representative, Leslie, through the waiting period for manufacturing, and then to the installment process, our experience was excellent! Communication is key for me and we were kept informed and updated as our windows were being ordered and manufactured. Calls to update us on the installation process were welcomed and appreciated. They know how much is too much so they don't pester you with unnecessary contact. We love our new windows!!! Did I say that already??😂 We can tell a major difference in reduced Street noise and also the temperature at our windows. Excellent company, highly recommend!!"

Paula Null
Nov 15, 2023

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