Why Weren't Our Stained Glass Windows Fully Replaced by Our Church Insurance?

Host Ron Wadley of Insurance for Texans explains how stained glass windows in Texas churches can be underinsured due to policy sublimits. He shares a Tyler church’s experience after a spring hailstorm damaged the roof and shattered multiple stained glass windows. The insurer offered only a small payout because the policy capped stained glass coverage at a low amount. The episode outlines how stained glass may require a specific endorsement, often supported by documentation or appraisal, to insure windows at real value. Wadley emphasizes working with church insurance specialists. Review your church’s insurance policy by connecting with our church insurance team at insurancefortexans.com Get a copy of our book, The Promise of Certainty, at thepromiseofcertainty.com 00:00 Welcome to Faith Stewardship & Insurance (Protecting Texas Churches) 00:25 A Texas Church’s Stained Glass Story—and the Hailstorm That Changed Everything 01:35 The Claim Shock: Why Stained Glass Is Treated Differently 02:33 Hidden Sub-Limits Explained: When $1M Coverage Still Won’t Fix a Window 03:11 Fixing the Gap: Endorsements, Appraisals, and Proper Coverage Design 03:44 Why a Church Insurance Specialist Matters (and What They Ask) 04:09 After the Loss: Rebuilding Coverage the Right Way + Next Steps 04:59 Final Takeaway: Protect the Mission, Not Just the Building