Is a leaking skylight covered by homeowners insurance?

Homeowners insurance policies cover a leaking skylight only under specific and limited circumstances, primarily when the damage stems from a sudden, accidental weather event. If a severe hailstorm shatters the glass pane of your skylight or a violent windstorm rips the exterior flashing away, your standard policy will typically cover both the skylight replacement and the resulting interior water damage after you pay your deductible. However, if the skylight is leaking due to normal wear and tear, aging rubber seals, degraded caulking, improper original installation, or a general lack of maintenance, the insurance company will deny the claim entirely. Insurers classify gradual deterioration as part of routine home upkeep, meaning the financial responsibility for repairing or replacing an aging, leaking skylight falls completely on the homeowner.