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If you’re a homeowner, there’s a chance that one or some of your windows will break one day. Once this happens, it’s highly recommended that you have replacement windows installed as soon as possible so you can maintain your Nashville home’s energy efficiency. However, when it comes to replacing broken windows, some homeowners often wonder: is the job covered by their homeowners insurance?
Whenever homeowners ask if their insurance can pay for the replacement of their broken casement or sliding windows, experts say that there’s actually no clear cut answer to this question. This is because whether or not your insurance policy covers the replacement of your broken windows actually depends on the category of policy that you have. These categories are the open peril and named peril policies.
If you have an open peril policy, Nashville window replacement pros say it’s possible that your insurance will pay to replace the broken windows regardless of the cause. This is due to the fact that open peril policies usually cover damage that is caused by many different types of risk to the property, meaning that it’s more likely your windows will be covered unless the policy specifically excludes a certain cause of damage from their coverage.
When it comes to named peril policies, on the other hand, you can expect the opposite of an open peril policy as your insurance provider will only pay for replacement windows if the cause of damage was specifically listed in the policy. This means that depending on the reason why your window broke, you may or may not be covered by your insurance policy, and there’s a chance that you’ll have to pay for the replacement on your own.
Of course, you wouldn’t need to use your insurance policy to replace your windows if you know how to maintain it and extend its lifespan. Thankfully, any window company will tell you that there are plenty of ways you can accomplish this. For instance, if you have a casement window, simply looking carefully before you open and close it can already do wonders for its lifespan. By doing so, you won’t accidentally hit anything that can damage any part of your window. Other than that, it’s also recommended that you don’t throw your windows open too quickly or slam them shut to prevent damage.
Ensuring the proper installation of your windows is also important to extending your window’s lifespan. After all, if your windows aren’t properly installed, they won’t just affect your home’s energy efficiency, but they can also allow moisture inside that can cause your windows to deteriorate earlier than expected. With that in mind, be sure to work with the right window installation experts, and ensure that your windows are properly installed.
Apart from the aforementioned methods, you can also extend the lifespan of your double-hung or sliding windows by cleaning it on a regular basis. By doing so, you can maintain the windows’ aesthetic appeal and prevent debris from working its way into your windows at the same time, prolonging your windows in the process.
Finally, avoid putting off inspections and necessary repairs if you want your windows to last longer than expected. With the proper maintenance procedures, a trained professional can easily spot any issues you may have missed and perform the necessary repairs immediately, which in turn allows your windows to remain in good condition longer as a result.
Make your search for an expert window company in Nashville much easier by turning to Renewal by Andersen® of Nashville. We are the local leading window and door experts in the region, and we’ll guide you to the right product for your home. Give us a call at (866) 609-5033, or fill out our contact form to get in touch with us and schedule a FREE in-home consultation today! We serve homeowners in Nashville, TN, and other nearby areas.