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Does Home Insurance Cover Leaking Windows?

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One of the most prevalent causes of home water damage is window leaks. A window leak is typically undetectable until the subsequent water damage is observed within the dwelling, but it can still occur to anyone. A window leak can cause extensive damage to a home, costing tens of thousands of dollars in repairs. To assist you in preventing this pricey problem, we will examine how insurance may cover water leaks and what you must do if you encounter this issue.

The conclusion is not as straightforward as you may believe; in most instances, homeowners are not insured for water leaks caused by windows. Many insurance companies will only cover and pay for "successive damage" caused by leaking windows but will not typically cover the cost of repairing the windows themselves. This is because window repairs are regarded as maintenance issues.

If you have issues with leaking windows, you will need to contact your insurance agent to review your coverage limitations. Then, contact a reputable insurance adjuster in your area, followed by a skilled contractor.

What Should I Do About Leaking Windows?

If your windows are less than 20 years old and there is water damage inside your home, there may be a problem with the installation of the panes or glass on some of your windows. If this is not corrected immediately, water damage to the walls and ceilings may result. In this situation, you must contact a professional window repair service since standing water near electrical outlets or lights is quite hazardous. Typically, minor repairs are not covered by insurance, although major repairs may be.

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