Whole-House Window Replacement on a Storm Claim — Every Side Hit
The hail came in sideways and then the wind turned, so every side of the house took hits. Twenty windows on one claim is a different job than two, and the scope has to be organized like one.
Whole-house window replacement on a storm claim happens when hail or wind hit every elevation and the scope lists every window. JMB Builders documents each one by elevation and number, writes the scope so the adjuster can match it window for window, orders the whole house in one order so color, grilles and glass match, and installs in a sequence that keeps the house closed up each night. Twin Cities metro, priced per window, reply within one business day.
- Priced per window, every window on one scope
- Numbered by elevation so the adjuster's list matches ours
- One order so every window matches
- Installed in a sequence, house closed up each night
- Licensed MN contractor BC809005
Send photos and hear back within one business day — or book a free in-home estimate.
Most hail claims cover one or two elevations. A storm cell that rotates, or hail followed by straight-line wind from the other direction, can hit all four. Then the claim is every window in the house, and the first problem is not carpentry, it is bookkeeping. Twenty-two windows on four sides, each with its own damage, each a line, and an adjuster working from a sketch that has to match the contractor's. If window 14 on our list is window 9 on theirs, something gets dropped.
We number every window on a sketch of the house by elevation, front, left, rear, right, and photograph each one with that number in the frame: a wide shot, a close-up of the hit with a scale reference, and the label when we can find it. The scope follows the same numbering. When the adjuster writes a glass unit where we see a split frame, the disagreement is about window 14 and nothing else, and it gets settled with a photo instead of a walk-through.
Matching matters more on a whole house than anywhere else, and it works in your favor. When every window is on the scope, they are all ordered at once, from one maker, in one color and one grille pattern, so the house matches itself when it is done. Minnesota's matching rule for replacement-cost policies is about what happens when only some items are replaced and the new ones do not reasonably match; on a whole-house claim that question mostly goes away. Where a few windows were not damaged, we document the mismatch a partial replacement would leave and you take it to your adjuster.
The install is staged. Windows are pulled and set one room at a time, exterior first on the weather side, so there is never an open hole at the end of the day. On a two-story house the upper windows go in from scaffold or ladders before the lower ones so nothing gets dropped on new work. You file the claim and deal with your insurer; we give you the sketch, photos and scope, meet the adjuster when you want us there, and do the work once it is approved.
What you supply
- The storm date and your photos from that day, before cleanup
- Your claim number, the adjuster's estimate and their sketch if they gave you one
- A note from your agent on whether the policy is replacement cost or actual cash value
- Any window labels or the original order paperwork for the house
- Furniture pulled back from each window and blinds down before install days
- Your paint color for new interior casing — painting is quoted as a separate line, or paint it yourself
What JMB supplies
- A numbered sketch of the house by elevation and a photo set keyed to it
- A line-item scope, one line per window, glass, sash or whole unit, with install items
- A walk of all four sides with your adjuster when you want us there
- Documentation of the mismatch a partial replacement would leave, for windows the adjuster left off
- One order for the whole house, with options such as the maker and style you had, so color and grilles match
- Sill pan, flashing tape, low-expansion foam and sealant on every full-unit replacement
- Interior stops, casing and stools reset or replaced room by room
- Scaffold or ladders for upper windows and daily cleanup
- A final invoice matched line by line to the approved scope, with finished photos
How it is priced: per window
Quoted in writing from your photos, with a reply within one business day. What moves the number:
- The mix of glass-only, sash and whole-unit lines across the house
- Window count and sizes, since one order of twenty units installs for less per window than two
- Siding, brick or stucco at the openings, which sets the exterior trim and flashing work
- Two-story and walk-out elevations that need scaffold
- Interior casing style and whether it is reused or replaced on each window
- Upgrades you choose across the whole house, paid directly as the difference
Send the adjuster's estimate and a photo of each side of the house. We reply within one business day with how we would organize the scope.
How long it takes
Documentation takes a visit. The order for a whole house is weeks and longer after a wide storm. Install runs several windows a day, room by room, so a typical house is a few days to a week once the units are here.
How your project works
- 1
Send photos, get a written quote
Send three photos of the space and a sentence about what you want. You get a clear, itemized reply within one business day. Prefer a look in person? A free in-home estimate is always an option.
- 2
Pick materials, or bring your own
We help you choose profiles and materials that fit the house and the budget, or match your existing millwork exactly — or you buy the door or trim yourself and we install it. Everything is confirmed before the crew is scheduled.
- 3
Clean, precise installation
The crew shows up on time, protects floors and furniture, and installs with tight joints and consistent reveals. Photos of the finished work go in your job folder.
- 4
Walkthrough and invoice
We walk the finished work with you. If anything is not right, we fix it before we call the job done. Then one invoice, paid by check or direct deposit — no card fees, no payment links.
Situations and options
All elevations, all whole units
Frames split or racked on every side, or a maker that no longer supplies parts. Every opening gets a full-frame unit with sill pan, flashing and new interior trim. One order, one color, one grille pattern.
Mixed scope by window
Some windows need glass, some a sash, some a whole unit. Each is its own line. The glass and sash lines keep the old frames, so color matching is checked between the new units and the old frames before the order.
A few windows left off
The adjuster scoped most but not all. We document the mismatch a partial job would leave, in color, profile and grille, for you to take to your insurer. Windows you add on your own are quoted as separate lines.
Two-story and split-level houses
Upper windows go in from scaffold before the lower ones. Stairwell and dormer windows are sequenced so the interior stays safe and the exterior stays closed each night.
Whole-House Window Replacement on a Storm Claim — Every Side Hit: questions, answered
Will insurance replace every window in my house after a hailstorm?
Only the windows the storm damaged, as decided by your adjuster and your policy. When hail or wind hit all four sides, that can be every window. Where a few were not hit, Minnesota's matching rule for replacement-cost policies may come into it if new windows will not reasonably match the old ones; ask your agent how your policy reads. We document each window and the mismatch a partial job would leave, and you take it to your insurer.
How do you keep track of twenty windows on one insurance claim?
A numbered sketch by elevation. Every window gets a number that appears in its photos, on our scope and on the final invoice. When the adjuster's estimate uses different numbering we build a cross-reference so each line can be compared. It sounds like paperwork, and it is, but it is how a window does not get dropped between two lists.
Do all the windows get ordered at the same time on a whole-house claim?
Yes, once the scope is approved. One order from one maker means one color run, one grille pattern and one glass makeup across the house. Splitting the order risks a shade difference in the color or a changed profile between batches. The one reason to split is a rush replacement for a window that is open to the weather, and we board that one up instead.
How long is a house torn up during a whole-house window replacement?
It is not torn up all at once. Windows are pulled and set one room at a time, and the room is closed up before the next one starts. Several windows go in per day. A typical house is a few days to a week of install, and you live in it the whole time. Keep blinds down and furniture pulled back on the rooms scheduled for the day.
Can I change the style of my windows when insurance is replacing all of them?
Yes, and a whole-house claim is the easiest time to do it, because everything is being ordered anyway. The approved scope pays to put back like kind and quality. A change to a different style, color, glass or brand is priced as a separate line and you pay the difference. The depreciation on the approved lines still releases when the work is done.
Do you meet the adjuster for a whole-house window claim?
Yes, when you want us there, and on a whole house it is worth it. We walk all four sides with the adjuster using the numbered sketch and photos, so every window is looked at and the glass, sash or whole-unit call is made in front of both of us. You file the claim and talk to your insurer; we explain what the storm did to each window.
Recent JMB work, from our job log
59 installs recorded across 30 Twin Cities communities since Dec 2025. Window and door installs for homeowners, builders and dealers. Counts come straight from our job log; no customer names.
Get a written quote for this job
Three photos and a sentence is enough: a reply within one business day, or ask for a free in-home estimate. Or text the photos to 763-333-4066.
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Read morePage reviewed October 2, 2026 · JMB Builders LLC, MN license BC809005 · All insurance repairs pages
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