An object falls on a sunroof breaking the glass. The shop advises the frame needs to be replaced due to glass broken in it. There is no damage to the frame. Should this be covered under comprehensive coverage with the deductible or does the PP 33 05 Full Safety Glass Coverage endorsement apply?
Massachusetts Subscriber
ISO has nothing in the manual that talks about how the endorsement is to be applied or used. Since the form specifically is for Full Coverage Window Glass and provides coverage for window glass breakage, we take it to apply to damage to the glass alone, and not to any mechanisms that makes the glass move; this would apply to windows as well as sunroofs.
Christine G. Barlow, CPCU
Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.