I suppose if you are trying to make a legal argument out of this, insulated windows could include a single pane with a low e coating and extra thick, etc. glass in it. It could mean someone stuffed insulation between the window jamb and the framing. It could mean that the addition of the storms windows made them insulated.
I'm not sure why you are asking and you didn't say. What do you mean you will let me know how it goes?