Calling professionals to repair a leaking or damaged roof is a daunting task for any homeowner.
If you have a home warranty with roof protection, it may provide coverage should a problem arise. However if you find yourself needing to find a reliable local roofer, Allied Construction and Restoration has the expert roof installers to get the job done right.
What is a home warranty?
A home warranty covers your home’s systems and appliances in the event of damage from everyday wear and tear. However, a home warranty does not cover damage caused by weather and other major events.
Home Warranty vs. Homeowner’s Insurance – What’s the difference?
Homeowner’s insurance covers damage to your personal property and the structure of your home caused by weather-related events like lightning, wind, or rain, as well as burglary and vandalism. Homeowner’s insurance does not provide coverage for an aging roof.
Home warranties cover wear and tear from normal usage.
Does a home warranty cover a roof repair?
Home warranty companies typically do not cover a complete roof replacement. And not all types of damages are covered.
Coverage is generally limited to repairs of leaks caused by aging and exposure to the elements over time. It is also limited to the roof area that covers the occupied rooms of your home and often does not cover the roof of a detached garage.
A home warranty is limited to the most common roofing materials such as asphalt, wood shingles, and clay tiles.
Most warranty companies set limits on the overall damage they will cover. On average, the coverage limit is $1,500 for a leak.
Some companies will partially contribute to replacing your roof by assessing the maximum they would pay for a repair and contributing that amount towards a new roof. The rest of your replacement cost is out of pocket.
Home Warranty Exclusions
Some home warranty companies offer only limited coverage for roof leaks. This is often an add-on option and exclusions such as the following apply:
- Patio and Deck Roofs
- Skylights and Chimneys
- Satellite Dishes
- Vents, Gutters, Downspouts
- Metal and Eco-Friendly Roofs
Home warranties allow coverage to repair your roof, but not the secondary damage to the inside of your home caused by the leak. You will need to consult your homeowner’s insurance company for coverage for damage inside your home.
Is a home warranty worth the cost?
According to Home Advisor, the average cost for adding optional coverage for roof leak repair to your home warranty plan is $8 a month.
Some higher-priced packages may include roof coverage as part of a standard home package.
Review the restrictions and costs carefully.
In addition to the premium, you’ll have a set service call fee, so when a contractor needs to visit your home to initiate a repair, you’ll pay a flat fee similar to an insurance copay in addition to your deductible.
Pros and Cons of a Home Warranty with Roof Coverage
When considering adding roof coverage to your home warranty, you should consider several pro and cons.
- Possibly Save Money – A repair may cost you less out of pocket if the cost of the repair is more than your coverage cost and the roofing service flat fee.
- Peace of mind – For some homeowners, knowing a warranty that will cover many repairs is in place helps them feel less stressed with the responsibility of owning a home.
- Little choice in contractors – You’ll need to use the roofing company affiliated with the warranty company rather than working with a roofer of your own choice.
- Repairs trump replacements – Home warranties are generally bent toward repairs rather than replacing the damaged item. While this can be the best option, sometimes it’s just delaying the inevitable and costing you more money in the long run. Learn more about how to choose between a roof repair and a total roof replacement.
- No guarantee of the repair – You may be paying for warranty coverage, but the warranty company will decide if the repair covered under the policy. Find out more about what you need to know when replacing your roof.
Roof Repairs by Allied
All roofs will eventually wear out due to exposure to the elements over time. Having a home warranty with roof leak coverage can offers you an added layer of protection.
But even if you don’t have a home warranty, you’ll still want to make small repairs as they’re needed to help prolong the life of your roof. And you’ll want to have your roof repaired in a timely manner.