Will My Homeowner’s Insurance Pay for My New Windows?
2 minutes
September 30, 2021 Windows can last for several years, depending on their quality, materials, and maintenance. Although they are designed to withstand the elements, there will come a time when replacing your windows would be necessary.
Fortunately, your homeowner’s insurance can cover for the expenses of new windows in certain cases. It’s always best to review the details of your policy. But to give you an idea of what to expect from your homeowner’s insurance, trusted window and roofing contractor ARCH Exteriors, LLC shares some basic information below.
Determine the Cause of Window Damage
Your homeowner’s insurance can pay for your new windows, depending on the cause of damage as well as the type of policy you have. With an open-peril policy, you can have the damage covered regardless of its cause — unless your policy specifically excludes a particular cause of damage. A named-peril policy, on the other hand, can only cover damage that has been caused by perils listed in your policy.
But much like roof replacement, window replacement will not be covered by either policy if the cause of damage is normal wear and tear or lack of maintenance. Remember that you are solely responsible for the upkeep of your windows. So if your windows develop issues due to neglect, your homeowner’s insurance won’t pay for your new windows.
Check Your Deductible
Some homeowners opt for a high-deductible policy in order to lower their premiums. If this is the case and the cost of replacing the windows is relatively low, the window replacement expenses might not exceed your deductible and you will likely have to pay out of pocket. The cause of damage is no longer relevant in this particular situation.
ARCH Exteriors, LLC is a local company that offers top-notch exterior replacement solutions and services. So whether you need a roofing contractor or a window installer, our team would be happy to take care of your project and ensure excellent workmanship. Call us at (877) 214-2831 or fill out our contact form to request a free quote.
