how to get homeowners insurance to pay for new windows

Daniel Parker

3 min read

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19-01-2025

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Getting your homeowners insurance to cover new windows can be tricky. It often depends on the reason your windows need replacing. This article will guide you through the process, explaining what situations typically qualify and what you need to do to maximize your chances of success.

Understanding Your Homeowners Policy

Before you even think about filing a claim, thoroughly review your homeowners insurance policy. Look for specific clauses related to:

• Covered Perils: What events does your policy cover? Wind damage, hail, fire, vandalism, and even some instances of accidental damage might be included. Knowing what's covered is the first step.
• Deductible: Remember, you'll likely have a deductible—the amount you pay out-of-pocket before your insurance kicks in. This can significantly impact the overall cost.
• Replacement Cost vs. Actual Cash Value: Your policy might offer replacement cost coverage (covering the cost of new windows) or actual cash value (covering the depreciated value). Replacement cost is generally preferred.

Scenarios Where Insurance Might Cover New Windows

Insurance companies are most likely to cover window replacement if the damage is caused by a sudden and unforeseen event covered by your policy. Here are some examples:

1. Severe Weather Damage

• Wind Damage: Broken windows due to strong winds, flying debris, or a fallen tree are often covered. Document the damage with photos and videos.
• Hail Damage: Hailstones can easily shatter windows. Again, thorough documentation is crucial.
• Fire Damage: If a fire damages your windows, they should be covered under the fire damage section.

2. Vandalism or Malicious Mischief

Broken windows caused by vandalism or intentional damage are usually covered by your policy. Report the incident to the police and your insurance company immediately.

3. Other Covered Perils

Depending on your policy, other covered perils might include:

• Falling Objects: A tree branch or other object falling on your windows.
• Theft: If your windows are broken during a burglary.
• Weight of Snow or Ice: In rare cases, extensive snow or ice accumulation might cause damage.

What Won't Typically Be Covered

Remember, normal wear and tear isn't usually covered. This includes:

• Cracks from aging: Windows naturally degrade over time.
• Scratches or minor damage: Small imperfections won't likely warrant a claim.
• Planned replacements: Upgrading to more energy-efficient windows isn't typically covered unless damage is involved.

How to File a Claim

If you believe your damage is covered, follow these steps:

1. Contact your insurance company immediately. Report the damage and provide details of the incident.
2. Document the damage. Take clear photos and videos of the affected windows from multiple angles. Include shots showing the extent of the damage and the overall condition of your home.
3. Gather any relevant documentation. This could include police reports (in case of vandalism) or weather reports.
4. Be prepared to answer questions. Your insurance adjuster will likely ask you questions about the incident and the condition of your windows before the damage occurred.
5. Get multiple quotes for repairs or replacements. This ensures you are getting a fair price for the necessary work.

Frequently Asked Questions (FAQs)

Q: My windows are old and foggy. Will my insurance cover replacement?

A: No, typically not. Foggy windows are usually due to seal failure caused by age and are considered normal wear and tear.

Q: A tree branch fell and cracked a window. Is this covered?

A: Yes, likely. Falling objects are often covered perils. Document the damage thoroughly and report it to your insurer.

Q: How long does the claims process take?

A: It varies, but you can expect it to take several weeks, sometimes longer depending on the complexity of the claim and the adjuster's workload.

Conclusion

Getting your homeowners insurance to pay for new windows requires understanding your policy and demonstrating that the damage resulted from a covered peril. By meticulously documenting the damage and following the proper claims procedure, you'll maximize your chances of successful coverage. Remember to always read your policy thoroughly and contact your insurance provider with any questions or concerns. Don't hesitate to seek professional help if you're struggling with the claims process.