Does Home Insurance Cover Leaking Windows?

  1. 375 POINTS
    Tony Canas, CPCU, MBA
    Financial Leadership Rotation Program, Nationwide Insurance, Columbus, OH
    Homeowners insurance policies vary a lot so the only way to find out for sure is to file a claim. With that said the general guideline is that it depends on what caused the leaking. If it was caused by an unexpected event such as a windstorm or a tree hitting the house then you probably are covered, if the windows have just gotten old and started leaking over time, then this is probably not covered because of the normal wear and tear exclusion.
    Answered on March 16, 2013
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  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    A homeowner’s policy covers damage that is the result of a specified peril. The most commonly covered perils are fire, wind and hail but there are many additional perils covered in modern policies. If those types of incidents caused the windows to leak then there will probably be adequate coverage.
    Answered on October 30, 2014
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