Policy note
Broken glass in a flat above a shop
Glass is a short section of the conditions and a busy one, and most of it turns on what the glass was part of.
In a flat above a shop the ceiling of one business is the floor of a home, and the two are usually insured by different people. The schedule names which part of the building this policy answers for.
What follows is the ordinary position at Noorderdijk. The policy schedule and the conditions document together are what a claim is assessed against, and where this note and those documents differ, those documents are the ones that count.
02
What the policy covers here
- Window and door glass that is part of the building.
- The frame, where the frame was damaged along with the glass.
- Glass in a conservatory or a porch that is fixed to the building.
03
What it does not cover here
- Glass in furniture, mirrors and picture frames, which sit under the contents section.
- Glass that was cracked before the policy started.
- Scratches, chips and marks that do not go through the glass.
Whether a pane belongs to the building or to the contents settles most glass claims, and the schedule answers it before anything breaks.