Cracks, leaks, or shattered sunroof glass can happen in an instant—and leave you wondering whether your insurance will cover the cost. While every policy is different, most Ontario drivers with comprehensive coverage are protected against glass damage—including your sunroof.
At RAM Auto Glass, we replace damaged sunroof glass on-site and help you understand how to file a claim. Here’s what to know if your sunroof breaks—and how your auto insurance fits into the picture.
Comprehensive Coverage Is Key
In Ontario, sunroof damage is typically covered under comprehensive auto insurance. This type of policy includes protection for non-collision incidents such as:
- Falling branches or ice
- Vandalism or theft
- Flying debris or road gravel
- Sudden temperature-related cracking
According to the Financial Services Regulatory Authority of Ontario (FSRA), comprehensive coverage is optional but highly recommended—especially for vehicles with panoramic or tinted sunroofs that are costly to replace.
What Insurance Usually Covers
Most policies will cover:
- Glass replacement (OEM or equivalent)
- Labour costs for removal and installation
- Mobile repair service (in many cases)
If the sunroof was broken as part of a larger collision, the repair may fall under your collision coverage instead.
What’s Not Covered
Insurance generally won’t cover damage due to poor maintenance or wear. Examples include:
- Leaks from clogged drains
- Electrical malfunctions unrelated to physical damage
- Sunroof frame corrosion or weathered seals
We’ll always inspect your sunroof thoroughly to determine whether your issue is related to impact, stress, or wear.
Is There a Deductible?
Yes, but it depends on your plan. For glass-only claims, some providers waive the deductible entirely—especially for sunroof or side glass damage. Others may charge a small deductible ($100–$300).
At RAM Auto Glass, we help you determine coverage and submit documentation so you don’t have to deal with phone calls or paperwork.
How to File a Claim for Sunroof Glass
- Document the damage with photos as soon as possible
- Call your insurance broker to confirm your coverage
- Book an appointment with RAM Auto Glass—we’ll help file the claim
- We perform the repair and send your insurer a receipt and report
Many repairs are approved within hours, and we offer same-day mobile sunroof replacement throughout Vaughan, Thornhill, and Richmond Hill.
Why Use a Professional for Sunroof Replacement?
Sunroof glass requires precision to avoid leaks, alignment issues, or malfunction. Our technicians:
- Match your original tint and glass curve
- Test drainage and reseal the frame
- Inspect sunroof motor and track functionality
For peace of mind, our work is backed by a written warranty—and hundreds of 5-star reviews from Ontario drivers.
Trusted Resources
- FSRA: Auto Insurance Coverage
- CAA: What’s Covered in Auto Insurance
- Consumer Reports: Common Sunroof Problems
Related Reading
- The Benefits of Professional Sunroof Glass Repair
- Why Your Car Insurance May Cover Auto Glass Repairs
- What to Expect From a Mobile Auto Glass Repair Service
Need Your Sunroof Repaired or Replaced?
We make it fast, easy, and insurance-friendly. RAM Auto Glass provides certified sunroof replacement with mobile service across the GTA. We’ll guide you through the claim and get you safely sealed up again.
Call (647) 777-7080 or book online now—we’ll come to you.