Insurance only compensating wood replacement windows??

KCRemodelerJune 30, 2011

I had 5 double hung 20 yr old wood windows knocked out by hail damage in a 1990 house. Insurance came out and provided me reimbursement upon repair for in-kind wood windows. I went to seek bids for replacement windows and obviously learned that my options were vinyl, fiberglass, composite, or some wood-clad. I was told that very few mfgrs do wood replacement windows and they were mainly for older homes trying to maintain historic appeal.

AND, to maintain the asthetics of my dark exterior/white interior trim, the duo-color vinyl or fiberglass options are all double what insurance will cover to replace wood windows.

I was told that I need to provide evidence to insurance proving that it is common practice to replace wood w/ these options to justify a higher compensation for a product other than wood windows. Has anyone encountered this? Any good way to address this w/ insurance company??

Any help would be appreciated....

Thank you for reporting this comment. Undo

Your insurance company should provide you with what replace value/cost of your existing windows are.

If you painted them after the fact, they are probably only required to provide you with the cost of a primed window and you will need to supply the paint. They may reimburse you the cost the the painting as well.

Typically, the fiberglass options are cheaper than wood/wood or clad wood options.

    Bookmark   July 1, 2011 at 11:25AM
Sign Up to comment
More Discussions
Deciding between Grand Estates/Amcraft or Okna 500dx, advice?
Both are new construction. The Grand Estates is just...
Window in a shower?
We are planning a remodel of our second floor master...
Lockheed, Certainteed Bryn Mawr III, or Alliance
Wondering which is the better new construction vinyl...
Kitchen Sliding Patio Door
Hi everyone! My slider is junky and the frame around...
Brand recommendation?
I would very much appreciate some recommendations on...
People viewed this after searching for:
© 2015 Houzz Inc. Houzz® The new way to design your home™