Fires, hurricanes, tornados, floods, and other acts of God wreak havoc on hundreds of churches a year. Other times, an unattended vigil or altar candle is the culprit. No matter the cause, the evaluation of the claim is monumental.
What is our relic worth? Perhaps it is built into the altar, which is a permanent fixture attached to the floor. Does this mean it is personal property or part of the building?
For decades, reredos altars, statuary, tabernacles, baptismal fonts, stations of the cross, and valuable historic lighting have been walking the tightrope of being insured or not insured. What about the thousands of dollars of chalices in the sacristy? The ostensorium has rare jewels and semi-precious stones, like jade and emeralds. The murals that were once attached to the wall have been carefully removed, conserved, stretched, and installed in frames on the wall to prevent water damage.
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