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Homeowner Insurance: Will It Help Replace Broken Windows?

If you own a home, chances are at some point you’ll need to have your windows replaced. While this is a common home improvement project, however, it can be pretty costly, especially when the need arises out of an emergency. Storm damage restoration is typically covered by home insurance policies but can they really help you replace your broken windows?

 

Homeowner Insurance: Will It Help Replace Broken Windows?

 

Here’s what you need to know, according to Renewal by Andersen® of Memphis, one of the country’s leading window installation companies:

 

Homeowner Insurance Basics

 

Luckily for homeowners, your homeowners insurance can pay for your broken window replacement. However, this is entirely dependent on the type of insurance that you have as well as the situation that broke your windows in the first place. When you’re getting a homeowners insurance policy, you can choose between open-peril and named-peril policies. According to experts, open-peril policies cover damages that are caused by many types of risks, meaning that with this kind of insurance, you’re more likely to be covered.

 

Named-peril policies, on the other hand, can leave you uncovered as they only cover perils that are specifically listed in the policy, such as accidents and damage caused by maintenance neglect. With that in mind, if you want your homeowners insurance to help you replace your broken windows with energy efficient windows, experts recommend that you obtain an open-peril policy for your home.

 

Instance When You Might Not Be Able to Make a Claim

 

While the cause of your broken window may fall under the coverage of your insurance policy, keep in mind that there might be an instance when you can’t make a claim. According to professionals, if you have a deductible, you might have to pay out of your own pocket for some of the replacements. This is especially true if you have a high deductible policy to lower your insurance premiums and the cost of the window replacement is relatively low.

 

Planning to install ENERGY STAR® windows for your home? Don’t hesitate to turn to Renewal by Andersen of Memphis. When it comes to window replacement and installation projects, we are the leading service provider to approach and we won’t let you down! Give us a call at (901) 979-4460 or fill out our contact form to schedule a FREE consultation.

 

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Reviews

"Absolutely wonderful experience working with renewal. They kept my wife and I up to date all throughout the process from the initial sales pitch to installation. They were courteous and professional throughout. The installation of 8 windows was completed in one day and the product is fantastic. Immediate difference felt inside the home and its much quieter now too. My wife and I are thrilled at our purchase. The windows are a bit pricey but worth every single penny. Wonderful product from a wonderful company. Will definitely be using them in the future to install the rest of the windows in our home."

Joseph Sipes
Jul 16, 2022

"When I say, superior service I mean just that!! From start to finish I was pleased!! Step 1, Scheduled appointment at the Home show… easy. Step 2, phone call to confirm appointment the next week….easy. Step 3, in home consultation with Keith Billingsley…..Amazing!!!! Step 4, call and cancel all other Window companies and let them know you have chosen the Best company, Anderson Windows!!! My Windows took a couple of months to come which was not a problem. Oooohhh but when installing day came ( a week early) I was lost for words. The installation team was A1 with professionalism and cleanliness!! They didn’t leave a scrap of trash on my property. It was cleaned up both days. I had Ed Tutton and crew. I had a million questions and they answered every one of them and made me feel so assured with the process. A couple of my Windows had wood rotted. They took care of it and fixed it better than when the house was built!!! Two of my Windows came in broken, it was addressed and shown to us and reorder in the same day!! They will be installed later. The Windows are so beautiful I stood in my master bedroom Windows for almost 3 hours just looking out. I hate Window grates…. I have solid glass Windows now❤️❤️! I wish I would have ordered my new front doors from Anderson Windows. So if you are looking to get new Windows you must go with Anderson Windows!!!"

Celeste Ousley
Jul 13, 2022

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