How to get homeowners insurance to pay for new windows?

How to get homeowners insurance to pay for new windows?


When it comes to home maintenance and repairs, one of the most common concerns for homeowners is how to get their insurance to cover the cost of new windows. Whether you’re dealing with damaged windows due to a storm or simply looking to upgrade to more energy-efficient options, understanding the process of getting homeowners insurance to pay for new windows is essential. In this article, we will explore the steps you can take to maximize your chances of getting coverage for new windows and ensure a smooth claims process.

Review Your Insurance Policy

Before filing a claim for new windows, it’s crucial to review your homeowners insurance policy. Look for any specific provisions or exclusions related to window replacements. Some policies may cover window damage caused by specific perils, such as storms or vandalism, while others may have limitations on the age or type of windows covered. Understanding your policy’s terms will help you determine if your claim is likely to be approved.

Evaluate the Cause of Window Damage

To increase your chances of getting homeowners insurance to pay for new windows, it’s important to evaluate the cause of the window damage. Most insurance policies cover accidental and sudden damage, such as storm-related or impact damage. However, if the damage is due to wear and tear or lack of proper maintenance, it may not be covered. Document the cause of the damage with photographs and detailed descriptions to support your claim.

Contact Your Insurance Company

Once you have reviewed your insurance policy and assessed the cause of the window damage, it’s time to contact your insurance company. Reach out to your insurance agent or claims department to initiate the claims process. Provide them with all the necessary information, including the date of the incident, a description of the damage, and any supporting documentation you have gathered. Be prepared to answer any additional questions they may have.

Obtain Professional Estimates

To strengthen your claim, it’s advisable to obtain professional estimates for the cost of replacing the windows. Contact reputable window replacement companies and request written estimates that include the type of windows, materials used, and labor costs. These estimates will serve as evidence of the necessary repairs and help establish the amount you are seeking from your insurance company.

Cooperate with the Insurance Adjuster

Once your claim is filed, an insurance adjuster will likely be assigned to assess the damage. Cooperate fully with the adjuster, providing them access to your property and any additional information they require. Be present during the assessment to ensure that all the damage is properly documented. If possible, provide the adjuster with the professional estimates you obtained to support your claim.

Appeal if Necessary

In some cases, insurance companies may initially deny a claim for new windows. If this happens, don’t lose hope. Review your policy, the documentation you provided, and the reason for denial. If you believe the denial is unjustified, you have the right to appeal the decision. Contact your insurance company and provide any additional evidence or arguments that support your claim. Consider seeking legal advice if you encounter significant challenges during the appeals process.


Getting homeowners insurance to pay for new windows requires careful preparation and understanding of your policy’s terms. Review your insurance policy, evaluate the cause of the window damage, and contact your insurance company to initiate the claims process. Obtain professional estimates, cooperate with the insurance adjuster, and be prepared to appeal if necessary. By following these steps, you can increase your chances of getting the coverage you need for new windows.


– Insurance Information Institute:
– National Association of Insurance Commissioners:
– Consumer Reports: