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In short, it depends. After 20 years, the glass in your windows is less energy efficient, which can cause increased electricity bills. You might also see signs of water damage or natural wear and tear over the years. However, with proper maintenance, some window frames can last up to 50 years, so you may only need to replace the glass to save on energy. 

At the same time, window replacement is a major investment, so replacing the glass in rooms most impacted by outdoor temperatures is one way to avoid going all-in to replace your windows.

The biggest disadvantages of low-E windows have to do with cost and, depending on your personal taste, appearance. Low-E windows cost more than traditional windows—typically between $300 and $1,000 per window, plus installation costs. Though they can save you money in the long run, low-E windows have a hefty upfront price tag. Additionally, low-E windows have a slightly different look than traditional windows. While some people don’t notice it, others say the low-E coating gives windows a hazy look.

One of the best professional cleaning solutions that won’t leave streaks is one gallon of distilled or bottled water mixed with 2 to 4 teaspoons of dish soap. Apply using a sponge in a figure-eight motion, and then use a squeegee to remove the majority of the water and soap. You can finish drying with a piece of old black-and-white newspaper to remove any residue for a streak-free clean every time.

While plywood will keep winds and debris from shattering your windows from the outside, window film can help protect your windows from the inside. Window film can keep a window from shattering. If your windows break, the film can hold the shards of glass in place, reducing the risk of cuts.

While you may sometimes see window film marketed as "hurricane window film," note that it doesn't provide sufficient hurricane protection on its own. It's no substitute for plywood, storm windows, or hurricane shutters.