Roofing warranties provide homeowners with a sense of security and assurance, knowing that certain repairs or replacements will be covered for a specified period. But when violent storms roll in and batter your windows or roof, you might wonder whether your warranty will also cover damage from such weather events. Keep reading as Masters Roofing answers this question and shares more information about roofing warranties.
Warranty Type
Your coverage depends on the type of roofing warranty you have. Here are the primary types of roofing warranties.
- Manufacturer’s warranty – Ranging from 20 to 50 years, this type of warranty covers defects in the roofing materials. While a manufacturer’s warranty generally does not cover storm damage, it may include a provision for damage caused by extreme weather conditions. However, these provisions vary from one manufacturer to another, so it’s essential to carefully review the fine print.
- Workmanship warranty – This is provided by roofing contractors and covers the installation. Workmanship warranties may cover storm damage if it can be attributed to poor installation practices. In cases where storm damage is due to the contractor’s negligence, a workmanship warranty can provide coverage.
Maintenance and Documentation
Most warranties require homeowners to perform regular maintenance on their roofs and keep records of it. Neglecting to do so can potentially void the warranty, including any provisions for storm damage coverage. Regular inspections, cleaning and minor repairs can help prevent storm damage and ensure that your warranty remains valid.
Insurance Coverage
Homeowners insurance policies often cover storm damage to roofs. If your warranty does not provide adequate coverage, your insurance might be able to cover the costs of repairs or replacements, depending on the terms of your policy. It’s crucial to work closely with your insurance provider and roofing contractor to determine the extent of coverage available.
Legal Provisions
In some cases, local laws and regulations may come into play. Some jurisdictions have specific rules that protect homeowners in the event of storm damage and may require roofing contractors to offer certain warranties or guarantees. Be sure to familiarize yourself with the legal provisions in your area.
Homeowners Insurance vs. Roofing Warranty
Homeowners insurance is usually your greatest ally when it comes to storm damage. These policies typically cover various weather-related damage, including those from high winds and hail. Depending on your policy, your insurance could cover all or part of the repair costs, even if your warranty doesn’t. It’s always recommended to review your insurance policy to understand your coverage entirely.
Got More Roofing Concerns? Let Us Help!
Understanding your roofing warranty can save you from unwanted surprises down the road. If you have any doubts or questions about your coverage or need professional roofing services, look no further than Masters Roofing. Call us at (901) 871-7663 or complete our contact form to schedule a consultation. We also provide siding installation and exterior painting service in Memphis, TN, and the surrounding areas.