Does a building deductible apply to window loss?

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Question: Our insured owns a commercial property that recently suffered vandalism to several glass windows on the building. He has a commercial package policy (ISO forms) with blanket glass coverage listed on its declarations. 

The insurance company informed the insured that the building deductible applies to his loss; however, the glass coverage (blanket) on the declarations does not have a deductible listed.

Is the insurance company’s position correct?

— Puerto Rico Subscriber

Answer: The property deductible applies to each occurrence of loss. Since glass is listed as a separate item of covered property in the declarations, then the insurance company is accurately applying the deductible to the occurrence of building glass breakage caused by vandalism. The commercial property deductible applies to all of the covered property unless a higher deductible is shown in the declarations for that specific property.

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