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Would insurance cover cracked roof glass if something fell on it?

3LE-TRK

Member
May 25, 2019
47
38
Northern Virginia
Driving last night in the dark, a branch or something fell on the roof which sounded worse than it was. Fortunately the roof didn’t break but it did cause me to think. If the windshield breaks, insurance would cover it but how does insurance treat the glass roof? Road hazard? Normal deductible? Hoping it hasn’t happened to anyone here but any thoughts?
 

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