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Analysis

5 vexing insurance claims involving damaged windows or glass

Coverage Q&A: The intent of the policy language is to pay only for personal property when the outside of the dwelling has been breached.

By FC&S Editors | Updated on March 14, 2018
The location of damaged windows as well as the details of the incident may determine whether or not insurance coverage applies. The location of damaged windows as well as the details of the incident may determine whether or not insurance coverage applies. (Photo: iStock)

Analysis brought to you by the experts at FC&S Online, the recognized authority on insurance coverage interpretation and analysis for the P&C industry. To find out more — or to have YOUR coverage question answered — visit the National Underwriter website, or contact the editors via Twitter: @FCSbulletins.

Question: Our insured has a homeowners’ policy (HO-3) with a “Backup of Sewers and Drains” add-on endorsement. The endorsement says, “We will pay up to $5,000 in total for direct physical loss to property covered under Coverages A, B & C when such loss is caused by water:

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