How To Get Homeowners Insurance To Pay For New Windows

Homeowners insurance is an important investment that provides financial protection for your home and belongings. However, many homeowners are not aware that their insurance may cover the cost of replacing windows in certain situations. In this article, we will explore the steps you can take to convince your homeowners insurance to pay for new windows, saving you money and improving the value of your home.

Whether you are dealing with broken windows due to a storm or simply want to upgrade to more energy-efficient windows, we have the tips and tricks you need to navigate the insurance process and get the coverage you deserve. Let’s dive in!

What is Homeowners Insurance? 

Homeowners insurance is a type of insurance policy that provides financial protection for your home and its contents. It typically covers damage or loss caused by events such as fire, theft, vandalism, and natural disasters. However, not all insurance policies are the same, and the coverage for window replacement can vary. In general, homeowners insurance will cover window replacement if the damage is caused by a covered peril.

How to Get Homeowners Insurance to Pay for New Windows

To get homeowners insurance to pay for new windows, you will need to follow a few steps:

How to Get Homeowners Insurance to Pay for New Windows

Review your insurance policy

Before you can convince your homeowners insurance to pay for new windows, it’s important to understand the specifics of your policy. Review your policy documents or contact your insurance provider to find out what types of window damage are covered and what the requirements are for filing a claim.

Understand the cause of window damage

Insurance policies typically cover window replacement if the damage is caused by a covered peril, such as a storm, vandalism, or a break-in. If your windows are old and worn out, insurance may not cover the cost of replacement.

Document the Damage

If your windows have been damaged, take photos or videos of the damage as evidence. This documentation will be useful when filing a claim with your insurance company. Be sure to include close-up shots that clearly show the extent of the damage.

File a Claim

To get homeowners insurance to pay for new windows, you will need to file a claim with your insurance company. Contact your insurance provider as soon as possible after the damage occurs to start the claims process. Provide them with all the necessary information, including the documentation of the damage.

Get an Estimate

Your insurance company may require you to obtain an estimate for the cost of replacing the windows. Contact a reputable window replacement company and request a detailed estimate. Make sure the estimate includes the type of windows, materials, labor costs, and any additional expenses.

Provide Proof of Ownership

To prove that the damaged windows were part of your property, gather any documentation that shows proof of ownership. This can include receipts, invoices, or photographs of the windows before the damage occurred.

Follow Up and Negotiate

Once you have submitted your claim and provided all the necessary documentation, follow up with your insurance company regularly to check on the progress of your claim. Be prepared to negotiate if the initial offer does not cover the full cost of window replacement. Provide any additional evidence or information that supports your claim for full coverage.

Consider Hiring a Public Adjuster

If you are having trouble getting your homeowners insurance to pay for new windows, you may want to consider hiring a public adjuster. These professionals specialize in negotiating with insurance companies on behalf of policyholders and can help you navigate the claims process.

Throughout the entire process, keep detailed records of all communication with your insurance company, including phone calls, emails, and letters. This documentation will be valuable in case of any disputes or issues that may arise.

How can I prevent future window damage?

How can I prevent future window damage?

Preventing future window damage is important to maintain the integrity and safety of your home. Here are some tips to help prevent future damage:

  1. Regular maintenance: Inspect your windows regularly for any signs of damage or wear. Repair or replace any cracked or damaged glass, loose frames, or faulty mechanisms promptly.
  2. Reinforce windows: Consider installing window film or security bars to strengthen your windows and make them more resistant to damage or break-ins.
  3. Trim nearby trees and shrubs: Overgrown trees and shrubs can pose a risk to your windows during storms or high winds. Trim them regularly to prevent branches from hitting or damaging your windows.
  4. Install storm shutters or impact-resistant windows: If you live in an area prone to severe weather, consider installing storm shutters or impact-resistant windows. These can help protect your windows from damage during hurricanes, tornadoes, or severe storms.
  5. Secure loose objects: Secure any loose objects outside your home, such as patio furniture or garden tools, to prevent them from being blown into your windows during strong winds.

By following these preventive measures, you can minimize the risk of future window damage and ensure the longevity and safety of your windows.


Will my insurance cover the full cost of the new windows, or will I be responsible for any expenses?

The coverage for new windows will depend on your insurance policy and the specifics of the claim. Some policies may provide full coverage for the replacement cost of the windows, while others may only cover a portion of the cost, subject to deductibles or depreciation. Review your policy or consult with your insurance provider to understand the terms and conditions of your coverage.

How long does the claims process take?

The duration of the claims process can vary, but it often takes a few weeks to a few months, depending on the complexity of the case and your insurance company’s procedures. It’s advisable to stay in contact with your insurance provider throughout the process to get updates on the status of your claim.

 What should I do if my claim for new windows is denied by my homeowners insurance? 

If your claim is denied, you can appeal the decision with your insurance company. It’s essential to have all your documentation and evidence in order to support your case.


Getting homeowners insurance to pay for new windows is possible with the right approach and persistence. By following these steps and being proactive in your approach, you can increase your chances of getting your homeowners insurance to pay for new windows. Remember to always read and understand your policy, document the damage, and provide thorough documentation to support your claim. Don’t hesitate to reach out to your insurance company for guidance throughout the process.