There is a good chance that every homeowner needs a Denver window replacement project done someday, regardless the reasons. This operation can be expensive, especially if there is not just one window, but a full window replacement involving the installation of new and higher quality products that provide better protection and energy efficiency.
Consequently, it is natural to wonder whether homeowners insurance cover window replacement.
The answer is not straightforward; in some of the cases, the insurance company will pay for the replacement, while in others you will have to take the money out of your pocket.
If you have a broken window, your home insurance policy will likely provide coverage if the damage was caused by a storm. On the other hand, damage occurred due to normal wear and tear is not covered, because windows maintenance is your responsibility as a homeowner. That`s why you must be proactive when it comes to your own home and schedule regular windows inspection and maintenance, just to make sure that no seal failure or other problem has been overlooked.
Also, before making a claim, make sure that it is really worth doing it. Your claim will be processed, there is no question about it, but considering that administrative costs are quite high, your rate may increase.
