Windows and screens are the most forgotten line items in an Evansville storm claim. Hail shreds screens, dents frames and chips glass, and almost nobody mentions it because the roof is what everyone is looking at. Individually they are small numbers. On a whole house they are frequently thousands of dollars that nobody claimed.
Four kinds of damage, and three of them are cheap to fix and easy to forget.
Shredded or torn
The most commonly damaged and most commonly unclaimed component on the whole house. A full set of screens is a real number, and they are almost never mentioned unless somebody counts them. We count them.
Dents
Aluminium-clad and vinyl frames dent and mark. It is cosmetic until it is not — a cracked vinyl frame or a compromised cladding seal lets water into the wood behind it, and that turns into rot a few years later.
Chips and cracks
Hail can chip or crack glass outright. Less common than screen damage and much more obvious when it happens.
Not storm related
Fogging between the panes is age, not hail, and we will say so. It is a real problem worth fixing and it is not an insurance claim, and conflating the two is how a claim gets scrutinised harder than it needed to be.
Whole-house replacement, single-opening swaps, and the structural work that sometimes comes with them.
Full sets or individual. Counted and documented as part of a storm inspection.
Frames, cladding, glass and screens photographed by elevation for your claim.
New unit inside a sound existing frame. Faster and less expensive where the frame is genuinely sound.
Frame out to the rough opening, where there is rot or the opening is being resized.
Sometimes the glass unit alone can be replaced. This is maintenance, not a claim.
Code-compliant basement egress, including cutting and window well installation.
A full set of screens on a typical home runs into four figures. On a covered claim that is money you are entitled to and will not receive unless somebody itemises it. Focus on Energy has historically offered rebates on qualifying efficient windows; confirm current terms before counting on them.
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If they were damaged by a covered storm event, generally yes — and they are the single most commonly unclaimed item on a house. A full set runs into four figures on a typical home. Nobody receives that money unless somebody counts the screens and itemises them, which is why we do it as part of the inspection.
Usually yes, and not only for cosmetic reasons. A cracked vinyl frame or a compromised cladding seal lets water into the wood behind it, and that becomes rot years later. Documenting it while the claim is open costs nothing and protects you from paying for the consequence yourself.
No, and we will tell you so plainly. Fogging is seal failure from age rather than storm damage, and including it weakens the credibility of the rest of the claim. It is a real problem worth fixing and often cheaper than people expect — it is just not an insurance matter.
Sometimes. If the frame and sash are sound, the insulated glass unit can occasionally be replaced on its own for considerably less than a full unit. We check before quoting a replacement package.
If it is being used or permitted as a sleeping room, yes. It is a code and safety requirement rather than an upgrade, and it needs a permit from the City of Evansville.
Get your free, no-obligation inspection today.
