One of the most useful things to have as a homeowner is insurance. Homeowners insurance shoulders the financial burden caused by a wide range of unforeseen circumstances. Hail-damaged roofing? It’s usually covered. Flooded home? That’s usually covered, too. But what about broken windows like cracked picture windows, stuck gliding windows or rusty casements?
To answer this question, first, you must familiarize yourself with the specific policy you have. Let our window experts at Renewal by Andersen® of Phoenix give you some important reminders about homeowners insurance and damaged windows.
Named-Peril Vs. Open-Peril Policies
Homeowners insurance can come with two types of coverage. In a named-peril policy, the company lists down all possible causes of damage that they will cover. If your windows are broken because of these reasons, then it’s likely they will be covered after some evaluation. Open-peril policies carry a bit more flexibility. This means the company will cover the expenses of a window replacement for whatever reason. The only exception is that if the reason is specifically excluded by the contract.
Our experts recommend exercising your best judgment if your policy has a deductible. For example, if you opted for higher deductibles (to lower monthly premiums), first compare the amount you have to pay and the cost of a repair. If the latter is less than the former, then it doesn’t make sense to file a claim in the first place.
Covering Normal Wear and Tear
As windows age, their performance and operation can slowly fall below the usual standard. Your double-hung window could stick, your casement window could leak or your bay windows could show signs of condensation. Unfortunately, most companies do not cover wear and tear as it’s your responsibility as a homeowner to do maintenance on your home.
Renewal by Andersen of Phoenix is your trusted local replacement window company. Call us today at (602) 562-1176 or fill out our online contact form to schedule a no-obligation in-home window consultation and get a free price quote. We serve homeowners in Scottsdale, Tempe and all nearby areas in AZ.