Will 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 540-634-6449 to schedule your free window replacement estimate.