Understand How Your Insurance Coverage And Roof Warranties Could Help When Your Roof Needs Repairs

When you invest money in a new roof, you want your roof to last as long as possible. However, roof damage can sometimes happen, and when it does, it's good to know in advance what your insurance and warranties cover so you can get help paying for repairs or a replacement if possible. Here are things to know about the coverage that may come with your new roof, but you'll want to ask your roofing contractor specifics about your warranties.

The Warranty From The Roofing Manufacturer

The manufacturer usually provides a warranty on the roofing materials, such as asphalt shingles. The warranty is for a certain number of years and is prorated as your roof ages. This warranty kicks in if there is a defect in your shingles that leads to a roof leak. The warranty might pay for replacing the shingles, but it may not pay for labor.

The roofing manufacturer might offer a warranty upgrade that costs more and provides better protection. Talk to your roofing contractor to understand how an upgraded or extended warranty differs and if it is worth the cost. This type of warranty might also cover labor along with roofing materials as long as the new roof was installed by a roofing contractor certified by the manufacturer.

The Warranty From Your Roofer

Roofing contractors often provide a separate warranty for the installation of your roof. This kicks in if an installation error leads to a roof leak. The warranty might pay for repairing the roof as well as pay for damage to your home from the leak.

Since warranty terms differ among roofing contractors, be sure to read the warranty carefully and ask the contractor to explain anything you don't understand. You'll want to know if the warranties that come with your new roof can be voided. For instance, if you don't keep up with roof maintenance or if you attempt DIY repairs, you might void your warranties.

Coverage From Your Insurance Company

Roof warranties cover materials and workmanship. They usually don't cover things like storm damage to your roof. However, your homeowners' insurance might pay for storm damage repairs or replacement. There may be a time limit during which you have to file your claim, and your claim may not be accepted if your roof was in bad shape before the storm due to neglect.

Getting money from your insurance company could be a big help if you need a new roof after a hailstorm. Take time to learn about your insurance coverage so you can take steps to reduce the risk your claim will be denied in the event your roof ever sustains damage. Reach out to a roofing contractor for more information about warranties.