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My Skylight Is Leaking After a Storm, Is This Covered?

Last updated October 25, 2026

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The short answer

Check Your Policy First

Start by reading your homeowners policy. It will list what perils are covered, such as wind, hail, or sudden water damage. Storm-related skylight leaks are often covered, but gradual wear or poor installation may not be. Policies vary, and your insurer decides what is covered. Look for language about roof leaks and water damage to understand your position.

Take photos and notes of the leak and any storm debris nearby. This documentation helps if you file a claim. Keep receipts for temporary repairs like tarping, as those costs may be reimbursable. If you are unsure about your coverage, ask your insurance company directly. Do not assume anything is covered until you have a clear answer.

Stop Further Water Damage

While you sort out coverage, limit the damage. Move furniture and valuables away from the leak. Place a bucket or tarp to catch drips. If the skylight is cracked or the seal is broken, a temporary patch can help. Use a tarp and duct tape or a plastic sheet to cover the area until a pro can assess it.

Drying the area quickly reduces the risk of mold and structural issues. Use fans and dehumidifiers if you have them. If water has spread to walls or ceilings, you may need emergency water extraction. The pros can remove standing water and set up drying equipment. Acting fast gives you a better chance of saving your belongings and your home.

  • Move furniture and electronics away from the leak
  • Place buckets or towels to catch dripping water
  • Tarp the skylight from the outside if safe
  • Open windows or use fans to circulate air
  • Call your insurance company to report the damage
  • Document everything with photos and notes

When to Call the Pros

If the leak is significant or you cannot safely reach the skylight, call local water damage pros. They can extract water, dry the structure, and help prevent secondary damage. For a roof leak, roof leak repair and water damage mitigation services are often the right fit. The pros can also inspect for hidden moisture in walls or insulation.

If you live in Burnsville, keep the number for a reliable water damage service handy. The humid continental climate with cold snowy winters can stress roofs and skylights. A pro can identify the leak source and recommend repairs, but they do not handle insurance claims. You will still need to work with your insurer for coverage decisions.

What the Pros Usually Do

The pros typically start by extracting any standing water and setting up drying equipment. They may use moisture mapping to find hidden water in walls or ceilings. Structural drying and dehumidification can take days to fully dry the area. This reduces the chance of mold growth and further damage.

For skylight leaks, the repair itself may involve resealing the flashing or replacing the skylight unit. A roofer or a general contractor might handle that work. The water damage pros focus on cleanup and drying, not the roof repair. You may need to hire a separate trade for the actual fix, depending on the cause.

Prevent Future Leaks

After the immediate issue is resolved, think about prevention. Check the skylight seal and flashing regularly, especially after storms. Clear debris from the roof and gutters to prevent water backup. If you live in Burnsville, consider a seasonal roof inspection to catch small problems early.

Regular maintenance can extend the life of your skylight and roof. If the skylight is old or damaged, replacement may be more cost-effective than repeated repairs. Talk to a roofing professional about your options. For now, focus on drying and documenting, and let your insurance guide your next steps.

  • Inspect skylight seals and flashing twice a year
  • Clear leaves and branches from the roof and gutters
  • Trim overhanging tree limbs that can damage the roof
  • Check for cracked or cloudy skylight panels
  • Consider a roof inspection after severe storms
  • Keep records of maintenance and repairs

Talk to someone now

Call (952) 522-6744 any time, day or night, and describe what happened.

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Frequently asked questions

Does homeowners insurance cover skylight leaks?

It depends on the cause. Sudden storm damage is often covered, but gradual wear or lack of maintenance may not be. Review your policy and ask your insurer. Policies vary, and your insurer decides what is covered.

Can I fix a skylight leak myself?

Small temporary patches are okay, but permanent repairs need a professional. Skylights are tricky, and improper sealing can lead to bigger leaks. A roofer or a water damage pro can assess the situation and recommend the right fix.

How long does it take to dry out after a skylight leak?

Drying time varies based on the amount of water and the materials. Fans and dehumidifiers speed up the process. The pros may use structural drying equipment that can take several days. Act quickly to prevent mold and warping.

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