Replacing the windows in your home can be a costly endeavor. The good news is that if you have homeowners insurance, you may be able to get some of the costs covered. Homeowners insurance can cover the cost of replacing windows if they are damaged by a covered peril, such as a storm or vandalism. It may also cover the cost of installing new windows if they are necessary for safety or security reasons. In this article, we’ll discuss how to get homeowners insurance to cover new windows.
What Is Covered by Homeowners Insurance?
Homeowners insurance typically covers damage to the structure of your home, including windows, caused by a covered peril, such as a fire, windstorm, hail, lightning, theft, or vandalism. It may also cover the cost of replacing windows if they are necessary for safety or security reasons. The coverage for windows is typically limited to the cost of replacing the window itself, not the cost of labor.
What Is Not Covered by Homeowners Insurance?
Homeowners insurance does not typically cover the cost of replacing windows that are simply worn out, outdated, or in need of repair. It also does not cover the cost of labor for installing new windows.
How to Get Homeowners Insurance to Cover New Windows
If you need to replace the windows in your home, you may be able to get some of the costs covered by your homeowners insurance. Here are some tips for getting your homeowners insurance to cover the cost of new windows:
1. Document the Damage: If you have windows that have been damaged by a covered peril, such as a storm or vandalism, take photos of the damage and document it in writing. This will help you make a claim with your insurance company.
2. File a Claim: Once you’ve documented the damage, contact your insurance company to file a claim. Your insurance company will investigate the claim and determine if it is covered by your policy.
3. Get an Estimate: If your claim is approved, you will need to get an estimate for the cost of replacing the window. Make sure to get several estimates from different contractors so you can compare prices.
4. Submit the Estimate: Submit the estimate to your insurance company for approval. Once the estimate is approved, the insurance company will pay for the cost of the window, minus your deductible.
5. Get the Window Installed: Once you’ve received payment from your insurance company, you can hire a contractor to install the window.
FAQs on How to Get Homeowners Insurance to Cover New Windows
What is covered by homeowners insurance?
Homeowners insurance typically covers damage to the structure of your home, including windows, caused by a covered peril, such as a fire, windstorm, hail, lightning, theft, or vandalism. It may also cover the cost of replacing windows if they are necessary for safety or security reasons.
What is not covered by homeowners insurance?
Homeowners insurance does not typically cover the cost of replacing windows that are simply worn out, outdated, or in need of repair. It also does not cover the cost of labor for installing new windows.
How do I file a claim for window replacement?
If you have windows that have been damaged by a covered peril, such as a storm or vandalism, take photos of the damage and document it in writing. This will help you make a claim with your insurance company. Once you’ve documented the damage, contact your insurance company to file a claim. Your insurance company will investigate the claim and determine if it is covered by your policy.
How do I get an estimate for window replacement?
If your claim is approved, you will need to get an estimate for the cost of replacing the window. Make sure to get several estimates from different contractors so you can compare prices.
How do I get the window installed?
Once you’ve received payment from your insurance company, you can hire a contractor to install the window. Make sure to get several estimates from different contractors so you can compare prices and find the best deal.
What if my insurance company denies my claim?
If your insurance company denies your claim, you may be able to appeal the decision. Contact your insurance company and ask for an explanation of why the claim was denied. You may also want to contact an attorney if you believe the denial was unjustified.