If a storm damaged your windows, your first thought might be: “Does homeowners insurance cover window replacement?” The answer is: sometimes, but not always.
Let’s walk through the most common scenarios where your policy will cover your broken window, where it won’t, and what you can do to get your claim reimbursed smoothly.
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4 Perils That Homeowners Insurance Will Usually Cover in Your Window Replacement
Whether your policy will help foot the bill depends entirely on the cause of the window damage. Insurance companies refer to these causes as “perils,” and your policy will only cover window replacement if the damage comes from a covered peril.
So, does homeowners’ insurance cover replacements for broken windows?
Yes, but only if the damage is caused by something sudden and unexpected, like a storm or break-in. If your windows are simply old, poorly installed, or damaged by pests or flooding, you’ll likely have to cover the replacement cost yourself.
Below are some examples of perils:
1. Storm or Weather Damages
Wind, hail, lightning, or flying debris during a storm are common reasons for window replacement, and they’re usually covered. If your window breaks due to high winds or a falling tree branch, file a claim.
If your windows are older, you may still have to pay more out-of-pocket, as insurers may adjust the payout based on age or condition.
2. Vandalism, Theft, and Break-Ins
If someone breaks your window during a burglary or act of vandalism, your homeowners’ insurance will typically cover the repair or replacement. You’ll likely need to file a police report alongside your claim.
3. Fire Damage
Fire is one of the most universally covered perils in homeowners’ insurance. If a house fire damages or destroys your windows, your policy should help cover the cost of replacements, along with other necessary structural repairs.
4. Wild Animal Damages
A raccoon crashing through your window? A deer smashing the glass? Believe it or not, damage caused by wild animals is often covered by insurance. However, coverage can become complicated if your insurer believes you contributed to the risk, such as leaving food near the window or failing to maintain the area properly.
Instances Where Homeowners’ Insurance Will Not Cover Your Window Replacement
Let’s look at the scenarios where your insurance likely won’t provide coverage. In most of these cases, the damage is viewed as preventable or simply due to normal wear and tear over time.
Wear & Tear/Age-Related Damages
If your windows are simply old, cracked, or leaking due to years of exposure, your insurance provider is unlikely to cover the cost of replacements. Learn more about window lifespan and when it’s time for an upgrade.
Improper Installation
Poor installation can cause gaps, leaks, or even warping over time. Insurance won’t cover this type of damage, especially if it’s clear that faulty workmanship was the cause. If you’re experiencing drafts or a window leak, it’s time to address the root issue.
Pest Damages
Termites, rodents, or insects causing damage to window frames or glass? Unfortunately, pest-related issues are rarely covered by homeowners’ insurance, since they’re usually preventable with regular maintenance.
Earthquakes
Standard homeowners insurance doesn’t cover earthquake-related damage. You’d need to purchase an additional earthquake policy if you live in an at-risk area.
Flood Waters
Flooding caused by weather events or rising groundwater typically isn’t covered under a standard homeowners policy. If floodwaters break your windows or cause damage, you’ll only be reimbursed if you have separate flood insurance.
How to Make Sure Your Window Replacement Claim Gets Reimbursed
Even if your window damage is technically covered, that doesn’t guarantee an easy payout.
Insurance companies have strict requirements, and missing just one detail can delay or deny your claim. Here’s how to stay ahead of the process:
- Document the damage immediately: Take clear photos of the broken window, the surrounding areas, and what may have caused the issue. This can include any items, such as storm debris or a fallen tree. The more visual proof you have, the easier it will be to show the damage was sudden and tied to a covered event.
- Check your policy first: Look for your coverage limits, deductible, and whether your plan is named-peril or all-risk. The more you understand your policy, the better you can advocate for yourself. If you’re unsure, contact your insurance agent to confirm which perils are covered.
- File a claim quickly: Most insurers have deadlines for reporting damages. Call your agent or file online as soon as possible after the incident. Delaying the process could lead to a denied claim or reduced reimbursement.
- Schedule an inspection: Your insurance company may send an adjuster to confirm the damage and estimate repair costs. You can also obtain a second opinion from a trusted source, such as NEXT Door & Window.
- Use a licensed window contractor: Always hire a professional for the replacement to avoid further issues. If you’re unsure about what to expect, take a look at our window replacement timeline. Using a licensed expert also helps validate your claim and ensures the job meets insurance standards.
- Keep all receipts and communication: Save quotes, invoices, and any emails with your adjuster — you may need them to support your claim. Having a clear paper trail can speed up approvals and prevent disputes about what was agreed upon.
In some cases, insurance won’t come through, but that doesn’t mean you should hold off on replacing damaged or outdated windows. Cracks, drafts, and broken seals can lead to higher energy bills, security risks, and long-term moisture problems.
If you’ve noticed signs it’s time to replace your windows, or if your seal keeps failing frequently, do not wait for an emergency to act. And once installed, be sure to maintain your new windows to avoid any issues that could void future coverage.
Ensure Proper Window Replacement with NEXT Door & Window
If you’re unsure about the condition of your windows after a storm or other damage, scheduling a professional inspection with NEXT Door & Window can give you peace of mind and help prevent costly surprises later. Our Design and Energy Experts assess any issues, guide you on whether window replacement is needed, and even help document damage for insurance purposes.
Not sure if your windows are covered or safe to keep? Let NEXT Door & Window take a look. One visit can give you clarity, confidence, and peace of mind.
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