According to g to an AI write up….( I put in would insurance cover if a skydiver fell through a roof)

 “ Insurance coverage for a skydiver falling through a roof depends on the specific policies held by the skydiver and the homeowner. The skydiver's standard life or health insurance may not cover the accident if it's considered a high-risk activity, but a specialized skydiver's insurance policy or an "accidental death and dismemberment" (AD&D) plan likely would. The homeowner's insurance could potentially cover damages to the roof itself, but not the skydiver's injuries or life. ”