Skylight Leaking When Raining in Miami | Expert Diagnosis and Permanent Repairs

Homeowners insurance typically covers storm-related roof leaks if wind, hail, or falling debris caused the damage. In Miami, hurricane and tropical storm damage falls under wind coverage, but you must prove the leak resulted from a sudden event, not gradual deterioration. Policies exclude maintenance-related issues like worn shingles or aging flashing. After a storm, document damage immediately with photos and videos. File your claim within the timeframe specified in your policy. Some Miami insurers require separate windstorm or hurricane deductibles. A professional roof inspection report strengthens your claim by linking the leak directly to storm damage.

Skylight leak repairs in Miami range widely based on the problem. Simple resealing or flashing repairs may cost a few hundred dollars. Replacing damaged flashing, underlayment, and surrounding shingles typically runs higher. Full skylight replacement, including removing the old unit, installing new flashing, and integrating with your roof system, costs significantly more. Flat or low-slope roofs common in Miami commercial buildings require specialized flashing systems that increase labor costs. Age of the skylight, accessibility, and roof type all affect pricing. Request a detailed inspection to identify the root cause before committing to repairs.

A licensed roofing contractor is the best professional to fix a leaking roof in Miami. Roofers understand flashing, underlayment, and how water moves across different roof slopes. They identify hidden damage that causes leaks, not just surface symptoms. Choose a contractor familiar with Miami's building codes, high-wind requirements, and common architectural styles. Verify their license with the state and confirm they carry liability insurance and workers compensation. Avoid handymen for structural roof work. A qualified roofer provides a written diagnosis, explains repair options, and warranties their work. Experience with Florida's tropical climate and storm damage is essential.

No, a properly installed and maintained roof should not leak during heavy rain. If water enters your home during storms, something has failed. Common causes include missing or damaged shingles, deteriorated flashing around chimneys or skylights, clogged gutters forcing water under roof edges, or improper valley installation. Miami's intense afternoon thunderstorms and horizontal rain test every weak point. Even small gaps in flashing or worn sealant become entry points. A leak signals immediate attention is needed. Ignoring it leads to rotted decking, mold growth, and interior damage. Schedule a professional inspection to locate and repair the failure.

Yes, you can file an insurance claim for a leaky roof if the damage resulted from a covered peril like wind, hail, or falling trees. In Miami, hurricane and tropical storm damage qualifies under wind coverage. Document the leak with photos and videos showing both interior damage and exterior roof conditions. Contact your insurer immediately, as policies require prompt reporting. An adjuster will inspect and determine coverage. If the leak stems from normal wear, poor maintenance, or gradual deterioration, the claim will likely be denied. A professional roofing inspection report helps establish the cause and supports your claim.

No, properly installed skylights with quality flashing and regular maintenance should not leak. However, Miami's harsh UV exposure, high humidity, and intense storms accelerate sealant breakdown and flashing deterioration. Skylights require periodic inspection and maintenance, including checking sealant integrity, clearing debris from the curb, and ensuring flashing remains secure. Cheap skylights or poor installation often fail within years. Quality units with metal flashing systems and proper integration into the roof assembly last decades without leaks. The key is proactive maintenance. Inspect your skylight annually and reseal as needed. Ignoring maintenance turns a preventable issue into expensive water damage.