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Question

Will insurance cover a leak in my car's sunroof?

My car is a 2015 Ford Fusion and there's a small gap in my sunroof.

Nov 20, 2019 Oviedo, FL

Answer
Author profile picture

Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Insurance will only cover things that are a result of a loss. So if the leak in the sunroof was caused by a covered peril — like damage from bad weather — this would count towards a comprehensive claim. If the leak was caused by wear-and-tear, your insurance will not cover it.

While your first comprehensive claim doesn't raise your rate by all that much (about 4.35%, or $64 per year), you should get an estimate for the fix to see if it's worth filing a claim for since you'd still need to pay your deductible for your insurance to cover it. It is likely that you'll save more money by paying for it out-of-pocket.

If you have any questions, don't hesitate to ask. For more information regarding insurance and minor damage, see the additional content below.

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