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Window sash damage is a common building problem addressed by claims personnel. Insurance coverage of window related losses is often dependent on the nature of the damage and whether it occurred as a result of one incident or over time. Pane breakage, rotted frames, foggy double panes, and jammed frames are among the many problems that perpetuate insurance related claims. The following are three classic examples of window sash losses that serve to illustrate the issues faced by the claims analyst.

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