thanks for those replies. Its not the lintel; its the alteration that the previous owner has made in removing the central/dividing pillar from the window. I had a survey done before I bought the house and this wasn't detected. Does that leave me any options? thanks

Dear forum I have a bedroom window which has a frame that has started to sink/sag in the middle. The original window had a central supporting pillar and 2 panes of glass. Someone replaced this (before I bought the house) with a single pane window. This isn't strong enough and the frame has now started to sag. This will cost a lot to fix. I have a standard house insurance policy with Red Star. Am I likely to be covered? Very many thanks in advance