Dealing with damaged windows is never ideal. Whether it’s a cracked pane from a rogue baseball, a tree branch in a windstorm, or a break-in, window repair costs can catch homeowners off guard. Naturally, one of the first questions we get from customers is:
“Does home insurance cover window replacement?”

Closely followed by:
“Does homeowners insurance cover window screen replacement?”

If you’re in Vaughan or anywhere in the GTA, and you’re facing a situation like this—or just planning ahead—this blog will walk you through what’s typically covered, what isn’t, and when it’s time to replace your windows, even if insurance won’t help.

Does Homeowners Insurance Cover Window Replacement?

In most cases, yes—home insurance covers window replacement, but only under certain conditions. You’ll be covered if the damage is caused by a sudden and accidental event, often referred to in your policy as a “covered peril.” These usually include:

  • Windstorm or hail

  • Vandalism or break-ins

  • Falling objects (like trees or ice)

  • Fire or smoke damage

  • Accidental impact from outside

So, if a neighbourhood kid hits a baseball through your window, or a storm knocks a branch into your living room, your window replacement may qualify under your policy.

On the flip side, if your window is leaking air, fogging up between panes, or simply deteriorating due to age, insurance won’t cover it. That falls under regular home maintenance.

When Window Damage Isn’t Covered

While it’s good to know some scenarios are covered, there are also plenty that aren’t. Here’s a quick list of window issues that typically aren’t covered by homeowners insurance:

  • Wear and tear – Damage from age or weathering

  • Moisture buildup – Fog or condensation between panes

  • Rot or frame damage – From water intrusion or pests

  • DIY installation errors – Mistakes from non-certified installers

  • Improper sealing or caulking – Leaks from poor maintenance

If the issue could’ve been prevented with regular upkeep or repair, it won’t qualify as a covered loss.

Does Homeowners Insurance Cover Window Screen Replacement?

In short: usually not.

Window screen damage is considered minor and falls under the “home maintenance” category. Unless the screen is damaged during a covered event (like during a break-in or hailstorm), most insurance providers won’t replace it.

That said, if a screen was damaged alongside the window glass in a larger event, such as a storm or burglary, it may be included in the claim. Always ask your provider for clarification.

Exterior view of a brick house with two white-framed windows, with documents labeled “Insurance Policy,” “Home Insurance,” and “Claim” in the foreground.

💡 Tip: We offer fast, affordable screen repairs in Vaughan. Contact us to get a quote or bundle with full window service.

Should You File a Claim?

Whether you should file an insurance claim depends on your deductible and the replacement cost.

For Example:

  • One broken window might cost $600–$900 to replace. If your deductible is $1,000, filing a claim won’t help.

  • Five shattered windows after a storm might cost $5,000+. In that case, it’s absolutely worth submitting a claim.

📌 Filing unnecessary claims for small jobs can raise your future premiums. Consider out-of-pocket repair when it’s under the deductible.

👉 Get a quick quote for replacement from Polaris →

Infographic titled “Filing a Window Replacement Insurance Claim” showing six steps: document the damage, secure the area, call insurance provider, get an estimate, submit your claim, and schedule the replacement.

Filing a Window Replacement Insurance Claim

Here’s how to properly file a claim if you decide it’s the right move:

  1. Document the damage – Take photos from inside and outside.

  2. Secure the area – Use boards or plastic to cover broken windows.

  3. Call your insurance provider – Ask what’s covered and review your deductible.

  4. Get an estimate – Request a free quote from Polaris Windows & Doors.

  5. Submit your claim – Include photos, documentation, and the quote.

  6. Schedule the replacement – Once approved, we’ll handle everything.

We’re experienced in working with insurers across Ontario and can provide the paperwork they need quickly.

Are Replacement Windows Worth It?

Even if your insurance doesn’t cover it, many Vaughan homeowners choose to replace older windows—and for good reason.

Here’s why replacement windows are worth it:

Energy Efficiency

Old windows leak heat in winter and trap it in summer. ENERGY STAR® certified windows can reduce energy bills by up to 30%.

Comfort & Draft Reduction

New windows eliminate cold spots, moisture buildup, and annoying drafts, especially in older Vaughan homes.

Better Soundproofing

Live near a busy street or school? Triple-pane and Low-E glass options reduce outside noise dramatically.

Home Value

Window upgrades boost curb appeal and can increase your resale value, especially in competitive neighbourhoods like Maple, Woodbridge, and Thornhill.

Rebates & Incentives

You may be eligible for government-backed rebates from Efficiency Canada for installing high-efficiency units.

👉 Explore our vinyl window styles built for Ontario homes →

Window Styles We Replace in Vaughan

When replacing windows—insurance or not—choosing the right style matters. Here are popular types we install across Vaughan:

Looking for something custom? We also handle shaped and specialty window installs.

Close-up of two white-framed double-hung windows installed on the second floor of a beige siding home with gabled roofing.

Why Choose Polaris Windows & Doors in Vaughan?

We’ve served hundreds of Vaughan homes with fast, professional window replacements—many of them insurance-covered.

What sets us apart:

  • Experienced with insurance paperwork and claims

  • Clean, efficient installations done right the first time

  • All Energy Star-certified windows

  • Friendly team and no-pressure quotes

  • Competitive prices with full warranty

📍 Read our customer reviews here
📍 See our Vaughan Google business listing

Related Resources

Final Thoughts

So, does home insurance cover window replacement in Vaughan? Yes—if it’s caused by a sudden event like a storm or break-in. But for aging or leaky windows, you’ll need to replace them yourself.

And yes, replacement windows are worth it. They boost efficiency, comfort, and property value—all while giving your home a fresh new look.

📞 Want expert advice or a no-obligation quote?
Get in touch with Polaris Windows & Doors today →

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