Is the replacement of double pane windows due to damages to seals normally covered in a homeowner's insurance policy?

If the damage is the result of wear and tear, NO.. it is not covered. If the damage is the result of a covered peril, Then yes, they would be covered under your homeowners policy. Be careful not to use a home insurance policy in lieu of a home maintenance plan. Home owners who do, quicklyfind themselves un-insurable and may have purchased a home beyond their financial means to support and maintain.