What insurance estimates often miss
A house of worship isn't a standard commercial building, and its claim shouldn't be handled like one.
- Specialty materials. Stained glass, slate, copper and custom woodwork need specialty trades.
- Matching. Repairs to a sanctuary roof or facade need to match what's already there.
- Code upgrades. Older buildings repaired today must meet today's building code.
- Lost use. If services move or hall rentals stop, the policy may help cover it.


