What is the difference between a roof warranty and an insurance claim?
A workmanship warranty covers problems caused by 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 is the roofing contractor’s guarantee on the installation. If your roof leaks because of how it was installed, such as flashing or fasteners that were not put in correctly, the workmanship warranty applies.
Warranty terms vary between contractors, so read what is covered and what is excluded. It also helps to choose a company with a long track record.
Manufacturer warranty
A manufacturer warranty comes from the company that made the shingles or other roofing materials, and it covers defects in those products. Many manufacturer warranties are prorated over time and require the roof to be installed to the manufacturer’s specifications.
Manufacturer warranty claims are less common and can take longer, because the manufacturer usually needs to examine the materials.
Homeowners insurance
Homeowners insurance covers sudden damage, such as hail, wind or a tree falling on the roof. It does not cover normal wear, age or problems caused by poor installation.
In North Texas, many roofs are replaced through insurance claims after storms. Knowing the date of the storm is important, because the claim is tied to that event.
Related questions
My four-year-old roof is leaking. Which one applies?
It depends on the cause. A flashing problem is usually workmanship, recent storm damage is an insurance matter, and a material defect falls under the manufacturer warranty. A roof inspection can help find the cause.
Does a workmanship warranty transfer if I sell my home?
Some do and some do not. Ask the contractor before you sign.
Does an insurance claim void my warranties?
No. Warranties and insurance cover different things. Repairs made by a different contractor can sometimes affect a workmanship warranty, so check your warranty terms first.
