The time to replace your windows is after they have lost their ability to insulate with a broken weather barrier (seal).  Typically you will see what looks like condensation at the bottom of the pane, which means moisture is getting i between the panes.  Once this occurs, a new panel of glass is needed.  Assuming the frames are in relatively good condition, a replacement panel could be installed rather than a whole window, which is cost effective.  If your purchasing new windows, pay extra attention to the warranty offered on broken seals.  You will be glad you did.

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