Roof Warranties: Homeowner’s Guide

Get the essential info on roof warranties with our complete guide. Understand coverage, exclusions, and how to choose the right warranty for your home.
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Roof Warranties: Homeowner’s Guide

Get the essential info on roof warranties with our complete guide. Understand coverage, exclusions, and how to choose the right warranty for your home.
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Reviewed by JC Sanjuan, a licensed Florida Roofing and General Contractor with over a decade of experience in project management, estimating, procurement, and consulting.

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Reviewed by JC Sanjuan, a licensed Florida Roofing and General Contractor with over a decade of experience in project management, estimating, procurement, and consulting.

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A good roof keeps weather out and comfort in. But who’s got your roof’s back when things go south? That’s where roof warranties come in. They’re not just paperwork; they’re your safety net for when shingles hit the fan. This guide cuts through the jargon to give you the lowdown on what roof warranties cover, why they matter, and what to watch out for.

We’re here to help you get savvy about the warranty that stands between you and the next big storm.

What Exactly is a Roof Warranty?

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Photo Credit: GEN3 Roofing

Think of a roof warranty like a promise – a pledge that says your roof should perform as expected for a certain period. There are two main players in the roof warranty game:

Manufacturer’s Warranty

This one’s about the roofing material. If your shingles or tiles aren’t up to snuff because of manufacturing defects, this warranty has you covered. But it’s not a blanket promise; there are terms and conditions you’ll need to check.

Workmanship Warranty

Here’s where your roofing contractor comes in. If your roof has issues due to the installation work, the workmanship warranty steps up. This coverage can vary a lot, so it’s crucial to understand what your contractor is offering.

Decoding the Coverage: What’s Protected Under a Roof Warranty

Understanding what’s under the umbrella of protection with your roof warranty can save a lot of rain on your parade later.

Material Coverage

The manufacturer’s warranty usually covers defects in roofing materials that could lead to a shorter-than-expected lifespan. If your shingles crack or your tiles split too soon, this part of the warranty should have your back.

Workmanship Coverage

This side of the warranty is all about the installation. If a storm blows through and your newly installed shingles take flight because they weren’t nailed down right, a workmanship warranty is designed to address such issues.

Duration Matters

How long a warranty lasts is a big deal. Manufacturer warranties can go from 10 years to a lifetime, while workmanship warranties typically range from 2 to 10 years. Keep in mind, “lifetime” often doesn’t mean your lifetime, but rather the expected life of the roof.

The Transferability Ticket

Selling your home? A warranty that transfers to the new owner can be a nice selling point. Some can be transferred once, while others might be non-transferable.

The Fine Print: Limitations and Exclusions in Roof Warranties

Warranties won’t cover everything, and it’s crucial to understand where your coverage draws the line.

Common Exclusions

While a warranty may cover defects or installation issues, many don’t protect against:

  • Damage from severe weather events like hurricanes or tornadoes.
  • Issues arising from improper roof maintenance or repairs.
  • Normal wear and tear over time.

The Prorating Principle

Over time, the warranty protection can decrease. This means that as your roof ages, the payout for repairs or replacement may diminish. It’s essential to know when and how the prorating kicks in.

Keeping It Valid: Maintenance and Your Roof Warranty

A well-maintained roof is a long-lasting roof, and your warranty likes it that way. Sticking to a maintenance routine isn’t just good practice—it’s often a must to keep your warranty in play.

Regular Roof Check-Ups

Just like a car, your roof needs regular inspections. Catching small issues early can prevent big problems later. And guess what? Some warranty terms require you to keep up with these check-ups.

Maintenance Missteps to Avoid

Neglect can be a warranty’s worst enemy. Ignoring leaks, letting debris pile up, or DIY fixes gone wrong could void your coverage. It’s always wise to have professional handle repairs and document everything.

Filing a Claim: Navigating the Warranty Process

If you find yourself with a roof problem that should be covered by your warranty, it’s important to know the ropes of the claims process.

Step-by-Step Claim Filing

  1. Document Everything: As soon as you notice an issue, document it with photos and detailed notes.
  2. Review Your Warranty: Before you reach out, know the specifics of what your warranty covers.
  3. Contact the Right Party: For material defects, you’ll contact the manufacturer; for installation issues, it’s your contractor.
  4. Professional Assessment: Have a licensed professional assess the damage. This report will support your claim.
  5. Follow the Procedures: Submit your claim according to the warranty’s guidelines—skipping steps can delay the process.

Timing and Patience

Claims aren’t always resolved overnight. Expect to exercise a bit of patience, but also keep on top of the process to ensure your claim is moving forward.

Weighing the Cost: Roof Warranty Considerations

Roof warranties come with numbers attached, and we’re not just talking about the coverage duration. It’s about balancing costs and benefits.

Warranty Expenses

Some manufacturers include the cost of the warranty with your roofing materials, while others might charge extra for extended coverage. Workmanship warranties might also come at an additional cost depending on your contractor.

What You’re Paying For

Consider what you’re getting for your money. A more expensive warranty could offer broader coverage or a longer duration. Think about the potential costs of repairs or replacements without a warranty – it might make the upfront cost seem quite reasonable.

The Value of Peace of Mind

Can you put a price on peace of mind? A solid warranty could save you from hefty out-of-pocket expenses down the line, making it a valuable part of your home investment.

Selecting the Right Warranty: Tips for Homeowners

Picking a warranty is as important as choosing the right shingles. Here’s how to make a smart choice.

What to Look For

A good warranty is comprehensive and clear. It should spell out what’s covered, for how long, and under what conditions. Look for warranties with straightforward, understandable language.

Questions to Ask

Don’t hesitate to ask your contractor or manufacturer these key questions:

  • How long does the coverage last?
  • What exactly does the warranty cover and exclude?
  • Is the warranty prorated over time?
  • Can the warranty be transferred to a new homeowner?
  • What are my responsibilities to keep the warranty valid?

The Bottom Line

A warranty is only as good as the company behind it. Choose a reputable manufacturer and a trustworthy contractor with a solid track record. After all, a warranty’s promise is tied to its reliability.


Frequently Asked Questions About Roof Warranties

1. How long does a typical roof warranty last?

Manufacturer warranties vary from 10 years to a lifetime, while workmanship warranties typically range from 2 to 10 years. It’s important to understand what “lifetime” means in the context of your warranty.

2. What’s the difference between a manufacturer’s warranty and a workmanship warranty?

A manufacturer’s warranty covers the roofing materials against defects, while a workmanship warranty covers the installation quality by the contractor.

3. Can I transfer my roof warranty if I sell my house?

Many roof warranties are transferable at least once, but terms differ. Review your warranty details to see if it can be transferred and under what conditions.

4. Will my roof warranty cover damage from natural disasters?

Standard warranties typically exclude coverage for natural disasters. Additional insurance may be necessary for these events.

5. Does a roof warranty cover leaks?

Leaks caused by material defects or installation errors within the warranty period are usually covered. Leaks due to other causes like maintenance issues may not be.

6. What can void my roof warranty?

Actions that can void a warranty include improper installation, insufficient ventilation, incorrect repairs, and neglecting maintenance. Always follow the guidelines of your warranty.

7. Do I need to have my roof inspected regularly to keep my warranty valid?

Regular inspections may be required by your warranty for it to remain in effect. Always check the specific terms of your warranty.


Resources

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