Should insurance pay for my skylight?
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Sara Routhier
Insurance Lawyer
Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...
Jeffrey Johnson
Updated January 2012
It seems unusual that the insurance company is denying coverage for the skylight since they are paying to replace the roof, vents, drip edges, etc. While the skylight may not be covered for wind damage, failure to replace it could cause another loss if it leaks and damages the inside of the home.You should talk to your agent and/or look at the insurance policy to see where there is an exclusion for wind to the skylight. It must be clearly stated in the policy for them to be able to deny coverage.If you can’t find any such exclusion, call the adjuster back. If they refuse to work with you, ask for a supervisor to see if they will be more cooperative. You might also ask your roofer to write a letter stating that they feel the skylight should be replaced as they don’t want to be responsible for damaging the skylight.
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