Should insurance pay for my skylight?

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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...

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UPDATED: Jan 31, 2012

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Insurance Question from Gas Hills, WY

Asked on 01/31/2012

Should insurance pay for my skylight? Insurance is going to replace my roof cause it has wind damage. My insurance doesn't want to pay for the skylight cause it doesn't have wind damage. My roofing contractor says they should pay for the skylight to cause it a cheap plastic one and could be broke already where they nailed it or could break when they tear off the roof. They are paying for drip edge, vents and ridge that doesn't have wind damage. Should the insurance pay for my skylight?thank you for your time

Answer given on February 01, 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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