Replacing and repairing your windows is an inevitable part of homeownership. Do you know when you can and can’t get your windows replaced or repaired under your home insurance policy? We have the answers for you, plus some home maintenance tips for preventing window damage and replacing windows in a timely manner.
Will home insurance cover broken windows?
Home insurance will cover your broken windows if they are broken from a “covered peril.” A covered peril is insurance speak for a risk that is explicitly included and covered under your insurance policy.
Here are a couple common broken window scenarios that are typically covered by home insurance:
Scenario 1: Your home is vandalized
Unfortunately, you come home from a shopping trip to find your home was burglarized. The trespassers broke a few windows to enter your home, and they stole some of your belongings like your personal laptop and video game console.
Experiencing a burglary is an unfortunate, vulnerable event. Your home insurance coverage may help you replace the assets stolen and property damaged, including your broken windows.
Scenario 2: A large tree falls and breaks several windows during a storm
You have a large tree in your yard that you take great pride in. To maintain the health of the tree and to keep the branches a safe distance from your home, you prune it regularly. One day, a severe storm causes your healthy tree to fall on your home, breaking several windows and damaging parts of the siding and roof.
Your home insurance coverage may help cover the cost to repair your home because the tree is well pruned and maintained. Talk to your agent to learn more about exclusions for fallen trees and tree branches.
What to expect during a window replacement insurance claim
If you file a home insurance claim to repair or replace your windows, here’s what you can expect from Grange:
- Dedicated customer service to answer your questions along the way.
- Your Grange Independent Agent will be ready to assist with your claim.
- Learn more about what to expect for your homeowner claim.
Do you need to report a claim? Visit the report or track a claim page for more information.
When should you consider skipping the insurance claim for broken windows?
Sometimes, it may not be the most cost-effective choice to use your home insurance coverage to repair or replace your windows. If your out-of-pocket cost to replace the window is only slightly more than your home insurance deductible, you may want to pay the full amount outright instead of submitting an insurance claim.
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Signs it’s time to replace your windows
This list can help you decide if it’s time to replace your windows. Schedule an appointment for a new window consultation if:
- Your windows are drafty from old age. Over time, windows can lose their seal and materials break down, especially original wood windows in older homes.
- Your windows feature regular wear and tear. Windows can take a beating from changing weather, regular opening and closing, dirt buildup and more.
- You want to cut down on heating and cooling bills. A solution to increase energy efficiency (and cut down on heavy HVAC reliance) is a window replacement investment.
- Your window glass, screens or trim are broken beyond repair. This can happen from gradual shifting and getting stuck shut or in an accident like a golf ball crashing through your window.
Pro tip: Replace your broken window or windows as soon as possible to reduce other structural and health hazards. For example, moisture buildup indoors can lead to mold growth and other problems.
How often should you replace windows?
The standard timeframe for window replacement is 15 to 20 years. ENERGY STAR says that windows “account for 45% of the heat gain or loss” in your home. That means if a window is drafty or broken, your home is highly susceptible to energy loss.
If your windows are broken, drafty or near 15 years of age, it may be time to replace them. Consider scheduling a consultation with a window contractor to get a professional recommendation.
Five ways to extend the life of your windows
Here’s a short list of different ways you can protect your window investments:
- Regular cleaning. Make sure to wash your windows at least twice per year to remove dirt and grime from your windowpanes, trim, locks, latches and hinges. Don’t forget to wash your screens and inspect for holes!
- Seasonal inspections. As the temperatures fluctuate throughout the year, check for cracks, chips, warping material and other signs of wear on your windows.
- Reapply seals and caulking. Following this step every few years can make your windows look and work almost like-new again.
- Lubricate moving parts as needed. If you open and close your windows often, lubricating the tracks and hinges with a silicone-based product can ensure windows stay easy to open and close.
- Look out for condensation. Any condensation buildup can be an indicator of a broken seal, which may require professional repair or replacement. If you spot condensation in your windows, try using a dehumidifier until you can get professional assistance.
References
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ENERGY STAR
Coverages described herein may not be available in all states. Please contact a local independent Grange agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Grange Insurance policies are underwritten by Grange Insurance Company, Trustgard Insurance Company, Grange Indemnity Insurance Company, Grange Insurance Company of Michigan and Grange Property & Casualty Insurance Company*. Not all companies are licensed in all states. *Not licensed in Pennsylvania.