Failing to pay attention to the age of the roof is a major problem when buying a home. Forbes lists roof problems as one of the top warning signs when buying a home.
Even if the roof is under warranty, what does the roof warranty mean? What damages are covered and when are those damages covered? Continue reading this article to get your questions about roof warranties answered.
Your Roof Warranty – How Does It Stack Up?
When you experience roof damage, you don’t want to hope for the best. You want to know you are prepared with a good protection plan. When you understand your warranty properly, you know what you can expect the warranty to cover, what insurance will cover and what will come out of your pocket.
Read the Fine Print
When you buy your roof and have it installed, you will sign a good deal of paperwork. If you’re purchasing a warranty, some of the fine print is about what the warranty will and will not cover. Take the time to read through the fine print so you aren’t surprised later.
Different types of warranties cover different things and circumstances which is why it is important that you understand the different warranty types. If you don’t understand a term or a clause, don’t be afraid to ask for clarification. It is better to understand your warranty before you sign on the dotted line because after that, it is too late to change your mind.
A material-only warranty only covers a defect in the material or early deterioration in the material. The roof membrane is the only part that is covered. The warranty does not cover any metal edges, adhesive and such.
If you use a material-only warranty, you can either ask that the membrane is repaired for free or that the cost of the repair is covered. Again, the membrane is the only thing covered in this type of warranty so expect to pay for the rest.
If your roof messes up, when you have it fixed, a labor-only warranty will take care of the labor to fix it. This warranty will not cover any of the materials you need to have the roof fixed.
Full System Warranty
While this warranty is the most expensive, it takes care of everything. You don’t have to worry about paying for the labor or the material when you have a full system warranty.
As long as the flashings and other materials are manufacturer approved, they are paid for as well. Even with full system warranties, you should check the terms to see when the warranties cover roof problems. This type of warranty may not cover installation errors so you will need to directly contact the installation professionals regarding any issues.
The Two Most Confused Warranties
The two warranties people mix up the most are the labor and roof workmanship warranties. While they may sound interchangeable, these warranties are actually very different.
- Labor Warranty – These usually cover any repairs that are needed because of a defective roof.
- Roof Workmanship Warranty – These usually cover errors in actual installation. These are errors that would not be covered under the labor warranty.
Understanding the difference between these two warranties will help you decide which warranty makes the most sense for you. You want to have peace of mind, but you also need to make sure it makes sense to your wallet.
What Pays for Which?
When you have a problem, you need to know what warranty pays for which problem. Here are some things you should know about getting the money you need when you have a roof problem.
- High Winds
- Roof Leaks
- Hail Damage
- Roof Puncture
If your roof is damaged by high winds, this damage is outside of a normal roof warranty. You can check to see if you have upgraded wind gust coverage since some warranties do offer this coverage.
Damage by roof leaks is most often covered with a full system warranty. If lightning struck your roof, hail hit it, misuse or a list of other things caused the problem then you may not be covered. Make sure to read your warranty’s terms about roof leak coverage.
Most roof warranties do not include hail damage coverage as a standard. If you are worried about hail damage, make sure you ask about upgrade options to see what is available.
Do you plan on walking on the roof? Frequent foot traffic can cause problems in the roof structure and even lead to punctures. If your roof experiences a puncture, you will need to have a specific puncture upgrade to receive any help with paying for this problem.
Choosing the Right Warranty for You
Now you know that all warranties are not created equal. There is no one perfect warranty for everyone. You have to determine what is most important to you.
Do you want to pay more for a warranty that is going to give you peace of mind in a high wind area? Maybe you think it is going to hail and decide to get the hail damage add-on for your warranty.
Different manufacturers offer different warranties and add-ons. The same is true when it comes to installation professionals. Don’t assume everyone operates their business the same way or you might end up with a big surprise when you go to use your warranty.
Work With a Roofing Company You Can Trust
We understand that it can be confusing and frustrating trying to understand a roof warranty. While we make sure the work is done right the first time, we understand your need for having peace of mind.
We make the roof installation process easy for you with competitive prices and an experienced team. We are also licensed, insured and bonded, so you never have to work. Learn more about us on our website today and let us help you get the roof you need.