Does Homeowners Insurance Cover Window Replacement?


rain on glass windows insurance coverage

One of the most sensitive home elements that are exposed 24/7 to various outside factors is windows. Even if you protect them with exterior shutters, you won’t be able to stop them from losing their performance over time. 

So, when this happens, will your homeowner insurance pay to replace these damaged windows?

The first thing you should know is that homeowners’ insurance policies will vary from company to company and from state to state. Secondly, it depends on the situation in which the window broke. 

Insurance Coverage

Most home insurance policies will provide coverage for specific situations. Simply said, if your windows were damaged due to a significant weather event, such as strong wind, then your homeowner’s insurance may cover them.

On the other hand, if a window needs to be replaced due to standard wear and tear, it usually won’t be covered. The reason for this is that window maintenance is the homeowner’s responsibility. 

If your windows suffer from water leakage or seal failure because it has been overlooked, then you’ll probably have to pay out of pocket for the replacement. The same applies to other exterior home features. 

Get a Quote 

When it comes to high-quality replacement windows and great patio doors,  ClearMax Windows & Doors has you covered. Use our window builder to quickly and easily discover how much it would cost to get fresh home windows. 

To get a free quote from ClearMax Windows & Doors, contact us or use our window configuration tool and get instant pricing on custom vinyl windows.

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