A new roof is a significant investment, providing protection, energy efficiency, and aesthetic appeal to your home. With such an important purchase, understanding the warranty coverage is crucial to ensuring long-term value and peace of mind. Roofing warranties vary widely depending on the manufacturer, contractor, and materials used, making it essential to know what is covered and for how long.
In this guide, we will break down the key aspects of roofing warranties, explain what to look for when selecting a roofing solution, and highlight common pitfalls to avoid.
Types of Roofing Warranties
Roofing warranties generally fall into three main categories: manufacturer warranties, workmanship warranties, and extended warranties. Each type offers different protections and limitations.
1. Manufacturer Warranties
Manufacturer warranties cover defects in roofing materials. If the materials fail prematurely due to manufacturing defects, the manufacturer may replace them. However, these warranties typically do not cover installation errors or damage caused by weather, accidents, or neglect.
Key Considerations:
Coverage Duration: Manufacturer warranties can range from 10 years to lifetime coverage.
Prorated vs. Non-Prorated: Some warranties decrease in value over time (prorated), while others offer full replacement value for a set period.
Transferability: If you sell your home, check whether the warranty can be transferred to the new owner.
Exclusions: Common exclusions include improper installation, poor maintenance, and extreme weather events.
2. Workmanship Warranties
A workmanship warranty is provided by the roofing contractor and covers installation errors. Even high-quality materials can fail prematurely if not installed correctly. Workmanship warranties vary in length, typically ranging from 1 to 10 years, depending on the contractor.
Key Considerations:
Coverage Scope: What specific installation errors are covered?
Length of Warranty: Longer warranties often indicate greater confidence in the contractor’s workmanship.
Contractor’s Reputation: Ensure the contractor is reputable and financially stable to honor the warranty in the future.
Claim Process: Understand how claims are handled and if labor costs for repairs are covered.
3. Extended or System Warranties
Extended warranties provide additional coverage beyond standard manufacturer and workmanship warranties. These warranties are often purchased separately and may cover both materials and labor for an extended period.
Key Considerations:
Cost: Extended warranties require an additional investment, so evaluate whether the extra coverage is worth the expense.
Comprehensive Protection: Some extended warranties cover issues like tear-off costs and disposal fees.
Manufacturer vs. Third-Party: Ensure the warranty provider is reputable.
What to Look for in a Roofing Warranty
Now that you understand the types of roofing warranties, here are the essential factors to evaluate before selecting a roofing solution.
1. Length of Coverage
Warranty durations vary widely, so compare options carefully. While a lifetime warranty may sound appealing, read the fine print to determine how the coverage changes over time. Some warranties only offer full protection for the first 10–15 years before becoming prorated.
2. Material and Labor Coverage
Some manufacturer warranties only cover defective materials but not labor. This means you may have to pay out-of-pocket for labor costs even if your roofing materials are faulty. Look for warranties that provide both material and labor coverage for greater financial protection.
3. Transferability
If you plan to sell your home, a transferable warranty can be a strong selling point. Some warranties are transferable once, while others allow multiple transfers. Keep in mind that some manufacturers require a transfer fee or notification within a certain time frame after the home is sold.
4. Prorated vs. Non-Prorated Terms
A non-prorated warranty provides full coverage for a specified period, meaning if your roof fails due to a covered defect, you receive full compensation. A prorated warranty reduces in value over time, meaning you may only get partial reimbursement if the roof fails after several years.
5. Coverage for Workmanship Errors
Since improper installation is one of the leading causes of roofing failures, ensure that your contractor offers a strong workmanship warranty. Some manufacturers also offer warranties that include workmanship coverage if you use a certified contractor.
6. Exclusions and Limitations
Always read the exclusions section of a warranty carefully. Common exclusions include:
Acts of Nature: Hurricanes, tornadoes, and earthquakes may not be covered.
Improper Maintenance: Failure to maintain the roof according to the manufacturer’s guidelines may void the warranty.
Unauthorized Repairs: Using non-approved contractors for repairs can lead to denied claims.
7. Warranty Claim Process
Before committing to a roofing solution, understand the process for filing a claim. Questions to ask include:
What documentation is required?
Is there a specific timeline for reporting issues?
Who is responsible for labor and material costs during a claim?
Common Warranty Pitfalls to Avoid
1. Assuming All Lifetime Warranties Are the Same
Not all "lifetime" warranties provide equal coverage. Some are limited to specific conditions, so always verify the details before relying on the term "lifetime."
2. Not Registering the Warranty
Many manufacturers require homeowners to register their warranty within a certain period after installation. Failing to do so can make your warranty void.
3. Ignoring Maintenance Requirements
Some warranties require regular inspections and maintenance to remain valid. Keep records of maintenance work to ensure compliance.
4. Using Non-Certified Contractors
If your manufacturer requires installation by a certified contractor, using an uncertified roofer may void the warranty.