Will your insurer cover the costs of a window replacement? Short answer: it depends on several factors, such as the cause of the window damage, the circumstances in which the window was damaged, as well as the type of insurance policy you have.
Renewal by Andersen® of Denver, your trusted window company, elaborates further below:
Named-Peril vs Open-Peril Insurance Policies
If you have a named-peril insurance policy, there’s a chance the window replacement costs won’t be covered by your insurer. As the name suggests, named-peril policies only cover hazards or incidents that are listed in the policy. However, if you have an open-peril policy, it’s more likely that the costs of replacement windows will be covered by your insurer. That’s because an open-peril policy covers all forms of damage to your home, except for those that were explicitly excluded from the policy.
Important note: even if your insurer will cover window replacement costs, you may still have to pay a deductible.
When Is Window Damage Classified as Wear and Tear?
Regardless of the type of policy you have, your insurer won’t cover the replacement costs if your window was damaged by wear and tear. Keep in mind that classifying window damage isn’t as straightforward as it seems. For instance, if your windows were damaged by wind-driven debris during a storm, your insurer will likely treat it as storm damage, which is usually covered under insurance policies. But if your window was damaged because water managed to infiltrate your home through gaps in window sealing that wasn’t maintained properly, your insurer may treat it as wear and tear, which isn’t covered under any insurance policy.
Renewal by Andersen of Denver offers a wide variety of premium window options. To schedule a free consultation, call us at (303) 823-4312 or (719) 419-5496. You can also fill out this form. We serve homeowners in Denver and Colorado Springs as well as the surrounding CO communities.