In general, as long as your skylight abides by certain standards specified by your insurance company and was properly installed, your HOI will cover any needed repairs on it as it is part of your roof.

Homeowners insurance focuses more on the hazard that caused damage rather than the roof itself. Because of this, skylights are rarely mentioned in HOI policies. As long as your skylight is properly installed and meets certain standards, it is treated just like the rest of your roof. (Don’t worry – VELUX can help you find an installer who’s been trained to install our skylights correctly and to code!)

Homeowners insurance will generally not cover damage that was caused by poor installation or neglect.

Common Hazards Homeowners Insurance Will Cover

If your VELUX skylight was properly installed and meets certain standards specified by your insurance company, HOI will typically cover the cost to repair damage caused by:

• Severe weather such as hurricanes, tornados, and hail
• Heavy snowfall or ice
• Fire and smoke
• Debris such as tree branches

Keep in mind every insurance company is different in what they cover and there are certain exclusions that may come with your policy. Be sure to review your policy every year to find out if additional coverage is required for your skylight.

Will Insurance Cover a Leaking Skylight

Most HOI policies will cover a leaking skylight depending on the cause. As we mentioned before, HOI policies are great at covering leaks caused by hazards but will typically not cover skylights that were poorly installed or neglected.

To ensure your insurance company will cover a leaking skylight be sure it adheres to your insurance company’s installation requirements. This typically means the skylight needs to be installed properly by a certified installer and is purchased through a credible vendor to be covered. And when you work with VELUX, we’ll help make sure all of this is covered so you don’t have to worry about the details and can focus on your new skylights!

VELUX Warranties

VELUX skylights installed with our skylight flashing are eligible for our 10-year installation warranty, which guarantees your skylight will stand strong and remain watertight in all types of weather. Additional hail warranty coverage is available, as well as a 20-year warranty on glass, 10 years on product, and 5 years on skylight shades and accessories.