What is the difference between a roof warranty and an insurance claim?
A workmanship warranty covers how the roof was installed. A manufacturer warranty covers defects in the roofing materials. Your homeowners insurance covers sudden damage from events such as hail or wind. Each one covers a different kind of problem.
Workmanship warranty
A workmanship warranty comes from the roofing contractor and covers problems caused by how the roof was installed, such as flashing or fasteners that were not installed correctly.
Terms vary from one contractor to another, so read what is covered and what is excluded before you sign.
Manufacturer warranty
A manufacturer warranty comes from the company that made the shingles or other roofing materials and covers defects in the product.
These warranties are often prorated over time and usually require the roof to be installed to the manufacturer’s specifications.
Homeowners insurance
Homeowners insurance covers sudden damage from events such as hail, wind or a falling tree. It does not cover normal wear and aging.
Because insurance covers a specific event, the date of the storm matters when you file a claim.
Frequently Asked Questions
My roof is leaking and it is only a few years old. Which one applies?
It depends on the cause. An installation problem falls under the workmanship warranty, storm damage falls under insurance, and a defective product falls under the manufacturer warranty. An inspection can help find the cause.
Does a workmanship warranty transfer if I sell my home?
Some do and some do not. Ask before you sign the contract.
Does an insurance claim void my roof warranties?
No. Warranties and insurance cover different things. Repairs made by a different contractor can affect a warranty, so check the terms first.
