THE ESSENTIALS
Before you start
- Identify material and installation.
- Locate the breakage provision.
- Separate observation from unknown cause.
Distinguish the situations
Allianz Casa terms list glass, marble and sanitary-ware breakage as a distinct benefit. The wording illustrates why the specified objects matter.
Sources: Allianz — Condições Casa, janeiro de 2025 — checked on 22 October 2026 ↗
Fictional example
Fictional example: a stone counter in a shared washroom is found cracked. The administrator describes the item, its fixing and location without immediately calling it glass. They examine the condominium policy for a benefit relevant to that material. If the cause is unknown, the report describes the observation and leaves the cause unresolved rather than inventing an impact.
Put the distinction to work
For a preventive review, list relevant fragile shared items and compare them with the contract's definitions. Separate damage to the individual item from visual continuity across surrounding surfaces, which may need a different assessment. Do not turn an example from one product into a guarantee under your policy. The home multirisk guide provides a starting point for RMACHADO GROUP to help examine common property and its cover.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Identify material and installation.
- Locate the breakage provision.
- Separate observation from unknown cause.
- Distinguish item damage and appearance.
FROM THE ARTICLE TO YOUR SITUATION
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Sources and transparency
Content updated on .
Consultation dates are stated in individual references when available.
Numerical examples are fictional and explain concepts. Editorial interpretations are identified in the text.
Information from RMACHADO GROUP. This is not an insurance offer or individual advice. Covers, acceptance, exclusions, sums insured and costs depend on the policy. The intermediary does not underwrite the risks.