Replacing Broken Windows and Filing an Insurance Claim

Replacing Broken Windows and Filing an Insurance Claim

February 09, 2020

There are many reasons your current windows need replacement. Whichever the case may be, it’s important to know that installing windows is not a cheap endeavor. Thus, many homeowners are wondering whether broken windows may be covered by their insurance company. 


Renewal by Andersen® of Milwaukee, a casement window contractor, answers this relevant question, in today’s blog post. 

Cause of Damage

Most insurance policies provide coverage in qualifying situations, depending on how your windows were damaged. In fact, you can choose between open-peril or named-peril policies. The downside of the latter is it only includes specific circumstances. An open-peril policy, on the other hand, covers damage due to different types of risk to the insured property. 

For instance, hailstorms may impair your windows, which may be covered by both types of insurance policies. However, if you knocked over a ladder that fell through the window, the named-peril policy may not cover such damage since it often does not include accidents. 

Wear and Tear

Typical wear and tear due to improper maintenance are excluded from insurance policies since it is your responsibility to take care of your windows. An example is when water seeped through the broken seals as a cause. This is not triggered by any weather event, so you can’t expect your insurance company to cover such damage. 

Once you have noticed any damage on your windows, contact your local contractor, who installs high-quality replacement windows

Making Claims 

Although insurance companies are obligated to process small claims, especially if they fall under the policy guidelines, a string of small claims is costly. The administrative costs essential to the process are relatively the same. 

Rely on Renewal by Andersen of Milwaukee for your window replacement needs. Our team will help you choose the right specialty windows that will match your home’s design and improve functionality. Call us today at (262) 522-3034 or fill out our online form to schedule an appointment. We serve residents of Milwaukee and other nearby areas in WI.

Hear From Our Customers

This was a great crew to work with. Both the original install manager we worked with (Jay) and the install team (Daniel, Mason, Tony, Ethan, and Jose). Everyone was very professional and knowledgable. They answered all my questions and the end result on the house is great. In 3 days they replaced an old bay window with a new bay window, a set of french doors on the patio with a sliding patio door, and our old front door with a new front door and storm door.

Jason and Brett did an awesome job installing our doors. We had separate installers a month earlier for our windows who also did a fantastic job. They were all very professional and cleaned up almost better than the area looked before the installation! Since these were both jobs that took more than one day the installers were great at keeping us informed on the status of where the project was at along the way.

I cant express how happy we are with choosing Andersen for our window installation. Our sales representative was knowledgeable with product and answered any questions we had without hesitation. I did also fill out a survey that was sent in an email, but sadly I failed to personally name the two gentlemen that performed the actual installation. Barrett and Francisco were our guys, and let me tell you, they were outstanding!!! They did Excellent work and were professional as well as efficient and made this a smooth, none evasive process for us. I strongly recommend this company and these installers to anyone in need of windows!!! My husband and I could not be more pleased we chose Andersen for replacing our windows!!!

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