Does Homeowners' Insurance Cover Home Window Replacement?
You need new windows for your home, but you’re wondering, “Will my home insurance cover home window replacement?”
Quick answer: sometimes.
Home insurance will usually cover your window replacement *if* your windows experience sudden or accidental damage, such as from a storm, hail, fire, or vandalism; damaged from a break-in or theft; or broken by a falling object, like a rogue tree limb.
However, your home insurance won’t cover your window replacement if your windows are simply old (wear and tear); due to your negligence, such as leaving a window open during a storm; or if the cost of replacing the window is less than your deductible.
What you should do:
– Review your policy exclusions and deductibles to understand your coverage.
– If damage occurs, document it with photos and notify your insurer promptly.
– Examine your windows’ seals or have a local contractor (like RETEX!) inspect them for you.
If you would like a home window replacement estimate, please consider RETEX. Give us a call at 804-408-4901 to schedule your free window replacement estimate.
