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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.

1) Interior Moisture DamageMoisture damage to windows can occur from the inside, primarily from condensation on window components during the winter. High humidity levels mean moisture laden air condenses on cold surfaces such as single pane glass and window sash without thermal breaks. Without proper maintenance the sash deteriorates as exemplified in the window shown in Figure 1 to the right.

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