Investing in a new roof is a significant expense, so you should understand what coverage it includes. However, a warranty may turn out to be more complicated than it seems at first glance. Roof warranties vary in coverage, duration, and accountability, and each type offers different protection for the structure. If something goes wrong, different parties may be responsible. Understanding those differences lets you compare policies before you buy.
Before signing the agreement, review the warranty documents alongside the project scope. For a roof replacement, for example, ask your contractor, whether that’s RoofWorx or another local roofer, to explain how the manufacturer’s warranty and the workmanship warranty fit together. You need to know what is promised, what isn’t guaranteed, and what you must do to keep the warranty valid.
What Are the Types of Roof Warranties?
Depending on who provides them, roof warranties usually fall into three types, though the names vary by company.
A manufacturer warranty covers issues with the roofing material, including problems like early shingle failure caused by manufacturing defects. It provides new materials, but not labor.
A workmanship warranty is provided by the roofing contractor and covers damage from installation problems, such as a leak caused by improperly installed flashing.
An extended warranty, sometimes called a system warranty, may offer broader coverage, depending on whether the right materials and installation methods were used. It is not necessarily limited to labor.
Keep in mind that having one warranty does not mean you have all three. You usually have to request the other two separately.
What Is Usually Covered Under a Roof Warranty?
Coverage depends on the warranty type, the roof type, and the cause of the damage. A manufacturer’s warranty can cover issues like faulty shingles or early decay, provided the problems meet the warranty terms. A contractor-provided workmanship warranty may cover roof damage caused by installation problems.
Some warranties offer prorated material coverage, which means the cost to replace materials goes down as time passes. Others cover material damage but not labor costs.
Pay attention to the remedy the warranty offers. Even if it guarantees new shingles, that does not mean it covers the ceiling, insulation, or possessions damaged in a leak.
What Is Not Covered Under a Roof Warranty?
Most roof warranty disputes arise because homeowners assume the warranty covers things it doesn’t mention. Common exclusions include:
- Storm damage, damage from falling trees, or other external damage.
- Problems arising from improper maintenance or a lack of maintenance.
- Unapproved repairs, modifications, and installations.
- Ventilation or movement problems.
- Problems caused by natural aging and normal wear and tear.
Warranties vary in the exclusions they impose, so it is critical to read the terms carefully. Document every roof inspection, repair, or change made by the roofing contractor, because that record can help you prove you kept up with the required roof maintenance.
What Is the Duration of the Roof Warranty, and What Does It Entail?
Duration depends on the type of warranty, the product, and the provider. Some workmanship warranties last only a few years, while others last decades. However, the period stated in a warranty’s title does not apply to every repair.
Some materials carry a longer warranty that becomes prorated after an initial period. Not every job comes with a warranty, and some extended warranties require professional installation.
When choosing a manufacturer’s warranty, think about when coverage starts. Check whether it is transferable or requires registration or inspection. The warranty period is just one factor; the terms and conditions matter just as much.
How to Ensure a Successful Roof Warranty Claim
If you believe something may be covered by the warranty, act immediately, since delaying can make the damage worse.
The claim process usually works like this:
- Check whether the issue is covered by the warranty and how notification should be made.
- Contact the appropriate person.
- Tell the manufacturer about product issues, and inform the installer about installation problems.
- Document everything: photograph the damage, arrange an inspection of the property, keep all maintenance records, and collect any other relevant paperwork.
- Avoid unauthorized repairs. Do your best not to worsen the situation, and remember that the warranty requires an inspection and authorization before any repair.
- Keep notes: write down the claim number and the details of every conversation.
If the claim is denied, ask for the reasons in writing.
In Conclusion
Warranties on roofs are very beneficial, but only when you fully understand their shortcomings. Know who is responsible for the materials and who is responsible for the workmanship, and be aware of the warranty exclusions and your own responsibilities.
Have you ever had to use a roof warranty, or dealt with exclusions you didn’t know about? Let others learn from your experience.
