Why Insurance Adjusters Should Consider

Skylights as Roof Accessory

 In the realm of insurance adjusting, meticulous attention to detail is paramount. Every component of a roof contributes to its integrity and longevity, and skylights are no exception. Just like flashings, drip edge, and vents, skylights play a crucial role in safeguarding homes against the elements and mitigating potential risks. Here's why insurance adjusters should view skylights as essential roof accessories:

Assessing Structural Integrity:

Skylights as Vulnerable Points:

Insurance adjusters are well aware that vulnerable points in a roof can lead to potential vulnerabilities in a home's structural integrity. Skylights, with their glass surfaces and intricate sealing systems, require careful examination to ensure they are properly installed and maintained. By considering skylights as roof accessories, adjusters can thoroughly assess their condition and address any issues that may compromise the roof's integrity.

Identifying Risk Factors:

Leak Potential

Skylights, if improperly installed or sealed, can become prime entry points for water infiltration. Insurance adjusters should recognize the potential risk of leaks associated with skylights and take proactive measures to mitigate these risks. Through thorough inspections and documentation, adjusters can identify any signs of water damage or leakage around skylights and recommend necessary repairs or upgrades to prevent future issues.

Enhancing Property Protection:

Skylights as Value-Adding Features

Just as flashings and vents contribute to a home's functionality and protection, skylights add value and appeal to properties. Insurance adjusters should consider the impact of skylights on a home's overall value and insurability. By recognizing skylights as valuable roof accessories, adjusters can accurately assess the replacement cost of a roof and ensure adequate coverage to protect homeowners' investments.

Promoting Safety and Compliance:

Skylights and Building Codes

In many jurisdictions, building codes mandate specific requirements for skylight installation to ensure safety and compliance. Insurance adjusters must familiarize themselves with these regulations and ensure that skylights meet or exceed code requirements. By treating skylights as integral components of the roof system, adjusters can verify compliance with building codes and promote safer living environments for homeowners.


In conclusion, insurance adjusters should prioritize skylights as roof accessories akin to flashings, drip edge, and vents. By recognizing the importance of skylights in maintaining structural integrity, identifying potential risks, enhancing property protection, and promoting safety and compliance, adjusters can effectively assess and mitigate insurance claims related to skylights. With thorough inspections, documentation, and adherence to industry standards, insurance adjusters play a crucial role in safeguarding homeowners' investments and ensuring peace of mind in the face of roof-related challenges.