“It’s covered”—the two words every homeowner wants to hear after roof damage. But covered by whom? Your roof warranty and homeowner’s insurance policy play quite different roles in protecting your roof. Here’s your practical guide to understanding which protection applies when.
What Each Cover
A roof warranty typically covers repairs or replacements arising from manufacturer defects and workmanship issues. If your shingles fail prematurely due to manufacturing flaws or your roof develops problems due to improper installation, your warranty should protect you.
On the other hand, insurance is your safety net against unforeseen events that can damage your roof, like storms, fallen trees, or other sudden accidents. Your policy will cover the repairs or replacements needed after such incidents. Additionally, it may cover the cost of routine roof maintenance and repairs.
Cost Considerations
Your roof warranty comes as a guarantee from the manufacturer or roofing contractor to repair or replace your roof under specific conditions at no additional cost, typically within a specified period. This means your warranty has an expiry date, after which you’re responsible for the costs of repairs or replacement. In contrast, your homeowner’s insurance remains active as long as you diligently pay your premiums. However, unlike a warranty, you’re usually required to make a specified deductible payment when you file a claim for roof damage.
Why You Need Both
Both types of coverage play equally essential roles in preserving your roofing investment. While a roof warranty protects against defects and installation issues, insurance safeguards against unexpected events. Together, they provide comprehensive protection for one of your home’s most crucial components.
At Cover and Care Roofing, we understand the importance of solid protection. We’re proud to offer our industry-leading roof warranty on labor and materials for all roof installations and repairs. If you have any questions about exactly what’s covered in our warranty and how it will complement your existing insurance protection, get in touch with us today.