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I did the same thing last spring. It was 50+ outside, but only 40 in the garage.
For what it's worth, I submitted a claim to my insurer and they paid it under the Comprehensive coverage. I now have a great GAHH top with a glass window and it cost me $500 to cover the deductible.
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Steve in Allen, TX
1997 Boxster - Thy Toy
2011 BMW X-5 - Wife Hauler
2012 Tunda - Dad Hauler
Fat Tire - Favorite Beer 
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