Using my decade of expertise in home insurance and renovation, I'll share the most important things to note about roof warranty coverage while answering the question: "Does a home warranty cover roof damage?"
From leaks and replacements to emergency response, we've tested several companies to find 10 home warranty services that can shield your sanctuary from unexpected costs and sleepless nights. There's no need to let roof issues catch you off guard or cost you an arm and a leg. Our reviews can help you find the proper protection for your property.
» Looking at a new house? Check out these home warranties for homeowners.
Our 10 Best Home Warranties With Roof Coverage in 2024:
- Choice Home Warranty - Best home warranty with roof coverage overall
- Select Home Warranty - Best for eco-friendly roofing discounts
- American Home Shield - Best for exclusive manufacturer partnerships
- Liberty Home Guard - Best for flexible add-on coverage
- Home Warranty of America - Best for roofing insurance claims assistance
- First Premier Home Warranty - Best for thatching material deals
- Home Service Club - Best for virtual shingling design consultations
- 2-10 Home Buyers Warranty - Best for manufacturer warranty extensions
- Advanced Home Warranty - Best for customized slating maintenance plans
- AFC Home Warranty - Best for multi-year roofing warranty options
How We Reviewed the Best Home Warranties With Roof Coverage
The evaluation process involves meticulous research, hands-on testing, and consultation with experts. We begin by gathering information on various home warranty companies and examining pricing and customer support criteria.
Additionally, we consult with industry professionals and homeowners who have firsthand experience with these companies to gain further insights.
Evaluation Criteria
Our evaluation criteria include:
- Coverage options: We evaluate the range of coverage each provider offers, including protection of appliances, systems, and additional services like roof repairs.
- Pricing and value: We analyze the cost of each home warranty plan relative to its coverage and benefits to gauge the value vs. investment.
- Customer service: We assess the responsiveness, professionalism, and effectiveness of each provider's customer support team, including their handling of claims and inquiries.
- Reputation and reliability: We consider the reputation and reliability of each home warranty company based on reviews, industry ratings, and regulatory compliance.
A Closer Look at Our Best Home Warranties With Roof Coverage in {year}:
1. Choice Home Warranty
Offers inspections to prevent leaks before they occur
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- Best for - Rapid emergency roof securing
- Average annual premium: $420–$720
- Contractors: 15,000+ pre-screened technicians
- Service call fee: $65–$100
- Service requests: 24/7 service requests via phone or online
To help alleviate your financial burden, Choice Home Warranty assists with insurance deductibles for any covered roof repairs under the agreement. Whether it's weather damage or general wear and tear, the company can guide you through cost-effective restoration options and help you negotiate with contractors.
Choice Home Warranty also offers discounts or rebates if you take the initiative to install renewable energy systems on your roof. These incentives promote cleaner energy sources like solar panels, which can reduce your carbon footprint.
Why we chose Choice Home Warranty: Choice Home Warranty guarantees a rapid response time for roof-related emergencies. Its commitment to dispatching technicians as soon as possible helps to minimize potential damage. The company usually starts claim proceedings within four hours of your request.
Client perspective: Emil (47) from Atlanta said that the "reps are super helpful and professional." He added, "It's always easy to get in touch with my account manager or another representative."
Pros
- Covers new and aged roofs
- Includes repair or replacement of roof vents and exhaust fans
- Provides coverage for gutter cleaning and minor repairs
Cons
- Charges an additional fee if you opt for a monthly plan
- Comprehensive contract premiums may be higher than some other providers
2. Select Home Warranty
Addresses structural issues to maintain roof stability
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- Best for - Two-month deals on annual premiums
- Average annual premium: $432–$765
- Contractors: 10,000 in-network technicians
- Service call fee: $60–$75
- Service requests: 24/7 service requests via phone or online
Select Home Warranty takes a proactive approach to protecting your shelter and has seasonal roof maintenance packages tailored to specific weather conditions and regional climate patterns. These plans ensure timely care and preservation of your roof throughout the year.
Select Home Warranty also incentivizes existing customers to refer friends and family. These incentives may include referral bonuses, deals on future premiums, or even gift cards to help pay your roof cover premiums.
Why we chose Select Home Warranty: The company collaborates with smart home technology providers to offer discounted or bundled plans for cutting-edge roof monitoring devices. These gadgets allow you to track your roof's condition remotely and receive real-time alerts for problems like leaks or storm damage.
Client perspective: David (53) from Bolingbrook noted that his sales rep "articulated the plan descriptions with extra discounts that are available." He said, "If the time comes, I know the Home Select team will have my back."
Pros
- Covers damaged or missing shingles
- Ensures tight seals around vents
- Clears heavy snow to prevent roof strain
Cons
- Pre-selected service technicians
- Few add-on options are available
3. American Home Shield
Utilizes advanced technology to detect roof leaks early
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- Best for - Addressing wear and tear on older roofs
- Average annual premium: $240–$1,080
- Contractors: 17,000 vetted contractors
- Service call fee: $75–$125
- Service requests: 24/7 service requests through phone or online
American Home Shield (AHS) invests in ongoing training and certification programs for contractors specializing in roof repairs or replacements. This commitment ensures high-quality workmanship and customer satisfaction.
This provider also encourages environmentally conscious choices. You can receive incentives, like tax credits, if you upgrade to energy-efficient roofing materials, like cool roofs or reflective coatings. This contributes to reducing energy consumption and can positively impact your utility costs.
Why we chose American Home Shield: AHS helps with transferring roof warranty coverage to new homeowners. It has an online portal to manage your roof warranty. You can access documentation, schedule maintenance appointments, and track real-time claims. This process enhances transparency and efficiency, allowing you to stay informed about your roof's protection.
Client perspective: Valerie (62) from Beaufort said that her claim "schedule was worked out for her convenience." American Home Shield also had her issue fixed "within a week." She mentioned how she was "very satisfied" with the technician that came out to help her.
Pros
- Repair of underlayment
- Prevents leaks around skylights
- Seam repairs on rolled or flat roofs
Cons
- No full roof replacement cover
- Not available in Alaska
4. Liberty Home Guard
Offers roof coating recommendations to enhance durability
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- Best for - Transparent contractor ratings
- Average annual premium: $600–$750
- Contractors: 10,000 in-network vetted technicians
- Service call fee: $65–$125
- Service requests: 24/7 service requests via phone or online
Though its general response time is up to 48 hours, Liberty Home Guard (LHG) has an emergency roof repair hotline. Whether it's a sudden leak during a rainstorm or damage caused by severe weather events, you can contact its reps around the clock for immediate assistance.
Additionally, to help you make informed decisions, the company has implemented a contractor service performance ratings system. It relies on customer feedback and satisfaction surveys and lets you assess technicians based on their track record.
Why we chose Liberty Home Guard: LHG gives you access to detailed documentation, which includes roof specifications, home maintenance guidelines, and warranty terms. This is to give you a clearer understanding of your coverage and the company's responsibilities before signing a contract.
Client perspective: Collin (49) from Sedona said that he's "very thankful that [they] ended up with Liberty" because "the savings were more than [they] spent on the policy by a wide margin."
Pros
- Provides proactive roof leak prevention measures
- Offers vent repairs
- Community Assistance Initiatives like fundraises for roof repairs
Cons
- Some claims processes take longer than others
- Selected home features are ineligible for coverage (e.g., transmitting devices)
5. Home Warranty of America
Organizes discounts through select roofing suppliers
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- Best for - Matching roofing materials already on your roof
- Average annual premium: $553–$720
- Contractors: Full network of certified local contractors
- Service call fee: $75–$100
- Service requests: 24/7 service requests via phone or online
Home Warranty of America (HWA) assists with manufacturer warranty registration for roofing materials. This ensures you have coverage for immediate repairs and maximizes long-term protection against possible defects or failures. All you need to do is comply with its plan requirements so you can safeguard your investment and extend your roof's lifespan.
Additionally, HWA conducts home energy audits to find ways your energy-efficient home can reduce heating costs. These checks are included in its roof protection plans. During assessments, experts examine your home to identify areas for improvement, like adding roof insulation to reduce electricity consumption.
Why we chose Home Warranty of America: Home Warranty of America's storm damage assessment services help minimize disruptions caused by extreme weather. Certified roof inspectors quickly evaluate the destruction and provide detailed reports. These are helpful for insurance claims and expediting the repair process.
Client perspective: Julie (70) from Taos has been with Home Warranty of America for "7 years" and said that after "5 or 6 different issues that needed fixing," she has still "never had one bad experience."
Pros
- Ensures tight seals around roof penetrations
- Provides emergency roof tarps
- Treats algae or moss growth on shingles
Cons
- Renewal rates may increase significantly after initial contract period
- Not BBB-accredited
6. First Premier Home Warranty
Keeps soffit and fascia components in good condition
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- Best for - Complimentary homeowner insurance policy reviews
- Average annual premium: $400–$800
- Contractors: 15,000 in-network technicians
- Service call fee: $60–$75
- Service requests: 24/7 service requests via phone or online
First Premier Home Warranty (FPHW) conducts detailed reviews of your insurance policy. The company can identify gaps or overlaps in coverage related to your roof and advise you on what you may or may not need. This is to ensure you're adequately protected when you claim.
Also, in cases where you may be dissatisfied with the company's services, FPHW has flexible solutions tailored to address roof coverage concerns. These may include refunds, service credits, or additional assistance finding qualified roof technicians.
Why we chose First Premier Home Warranty: First Premier provides remote drone and satellite roof inspections. These assessments allow quick evaluations of your roof's state to identify potential issues, even in hard-to-reach or hazardous locations.
Client perspective: Jeremy (39) from Gatlinburg was impressed that a First Premier "representative called [him] and offered even better service at a lower price." He was pleased with the rep's "knowledge and response to every question."
Pros
- Hosts maintenance workshops
- Regular checks and repairs for flashing integrity
- Provides renewable roofing certification courses
Cons
- Specific home features ineligible for coverage (e.g., pests or termites)
- Only two plans
» Find out which pests to get a home warranty for before it's too late!
7. Home Service Club
Provides skilled contractors for different roof type repairs
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- Best for - Interior living space protection from leaks
- Average annual premium: $400–$800
- Contractors: 15,000 in-network technicians
- Service call fee: $65-$125
- Service requests: 24/7 service requests via phone or online
Home Service Club (HSC) provides seasonal roof maintenance subscriptions. You can get scheduled inspections, gutter cleanings, and minor repairs throughout the year. This consistent attention is to ensure your roof remains in optimal condition.
Home Service Club also partners with recycling facilities to responsibly dispose of old roofing materials rather than contributing to landfills. These materials are then recycled into new products to promote environmental sustainability.
Why we chose Home Service Club: HSC offers optional lifetime roof warranty plans. Beyond the standard term, this extends your coverage for as long as you own your property and safeguards your investment long-term.
Client perspective: Lillian (58) from Charlottesville said that when she called, Home Service Club "immediately set up an appointment." She was thrilled when the company called her back later to "check up on the repair."
Pros
- Distributes emergency roof repair kits
- Community roofing outreach
- Annual roof inspection rewards
Cons
- Higher contract transfer fee than some other providers
- Availability of roof technicians varies by location
8. 2-10 Home Buyers Warranty
Educates homeowners on maintaining leak-free roofs
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- Best for - Structural load-bearing and framing system coverage
- Average annual premium: $400–$600
- Contractors: 6,000 in-network technicians
- Service call fee: $65–$100
- Service requests: 24/7 service requests via phone or online
2-10 Home Buyers Warranty's advocacy services can give you advice on filing a successful claim for roof repairs or replacements. The company assists you through the documentation and negotiation process, ensuring you get maximum coverage.
Additionally, 2-10 Home Buyers Warranty can help you make environmentally conscious decisions on a budget. It provides financing options and low-interest loans for sustainable upgrades if you're looking at energy-efficient roofing materials or solar panels.
Why we chose 2-10 Home Buyers Warranty: 2-10 Home Buyers Warranty has mobile appraisal services tailored for roofing projects. Certified experts conduct onsite assessments to give you detailed estimates. The company can also collaborate with you, assisting in budgeting and strategic planning for repairs or replacements.
Client perspective: Warren (67) from Hilton Head said that when he filed a claim, "2-10 was fantastic." He went on to say that the company over-delivered and were "out within 24 hours."
Pros
- Covers various roofing materials
- Referral incentive programs
- Credits for roof material upgrades
Cons
- Limited customization with only a few optional add-ons
- High deductibles for roof repairs
9. Advanced Home Warranty
Ensures tight seals around chimneys
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- Best for - Roof climate adaptation consultations
- Average annual premium - $540–$660
- Contractors - Select network of service providers
- Service call fee - $60/claim or the actual cost (whichever is less)
- Service requests - 24/7 service requests via phone or online
Advanced Home Warranty (AHW) aims to bridge the gap between homeowners insurance and roof warranties. While your insurance covers secondary water damage, these warranties address roof leaks directly and ensure timely repairs. This is to increase coverage and avoid upfront costs.
AHW also collaborates with designers and architects to offer customized roof aesthetics. Whether blending roof colors with architectural styles or incorporating decorative elements, you can enhance your home's appeal and durability.
Why we chose Advanced Home Warranty: AHW has a unique "Roof Resilience Certification" feature. Validated inspectors evaluate your roof for structural integrity, wind resistance, and impact resilience. Once you're certified, your property value and insurance eligibility can increase.
Client perspective: Whitney (45) from Williamsburg mentioned that she liked having a choice between different "coverage options." She was also pleased with the helpful "customer support" when contacting the company.
Pros
- Online tutorials on smart home integration and market insights
- Innovative roofing materials showcase events
- Provides educational roofing maintenance resources
Cons
- Inflexible service call fee policy
- Some coverage limits are lower than other providers
10. AFC Home Warranty
Optimizes roof ventilation by ensuring proper air circulation
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- Best for - Virtual roofing assessments
- Average annual premium - $540–$660
- Contractors - Customer selects own local technicians nationwide
- Service call fee - $75–$125
- Service requests - 24/7 service requests via phone or online
AFC Home Warranty offers rebates and incentives when you opt for eco-friendly roofing materials like recycled matter or sustainable wood shingles. The company also partakes in environmental conservation efforts to grow and align with eco-conscious values.
Additionally, AFC is building a sense of community spirit through neighborhood roofing maintenance events. Homeowners can come together, pooling their efforts for group cleanings, inspections, and repairs. This is to help maintain roofs, strengthen neighborhood bonds, and create a shared sense of responsibility.
Why we chose AFC Home Warranty: AFC Home Warranty conducts safety training classes for both homeowners and contractors. It covers proper roof workmanship welfare practices, equipment usage, and accident prevention measures. These seminars help to promote a culture of safety within the roofing industry.
Client perspective: Greg (48) from Dallas said the company's staff was "professional, courteous and efficient." He also mentioned everything was handled "quickly and cleanly when his broiler broke."
Pros
- Provides roof leak prevention guidance
- Senior Citizen Roofing Assistance program that helps with contractor sourcing
- Gutter maintenance coverage
Cons
- No customer support over live chat
- Not available in Hawaii
Compare the Best Home Warranties With Roof Coverage:
What's Included Under Roof Coverage?
When it comes to home warranties vs. homeowner insurance, there's a difference. Home warranty roof coverage is designed to fill the gaps that aren't included in your insurance. For instance, your home protection plan might incorporate damage caused by leaks but may not cover the repair cost.
The items or systems included in roof coverage can change between plans and companies. But these components are most frequently protected against regular wear and tear defects or damage:
- Flashing roof shingles
- Drains and gutters
- Fans for attic ventilation
- Chimney covers and chimneys
- Decking on the roof
- Roof vents
- Roof structure
- Roof leak damage
- Roof repairs
- Ice damming
- Soffits and fascia
- Attic insulation
- Secondary damage (e.g., mold)
Do Home Warranties Cover Roof Leaks & Damage?
Home warranties provide coverage for various home systems and appliances and typically cover the cost of roof leak repairs. However, there may be certain limitations. Read through and compare different plans carefully and ask for the terms and conditions to ensure you understand precisely what is and isn't included.
Things like mold from a leak or certain parts of the roof may not be covered. Also, some home warranties include roof coverage as part of their standard package. Other companies might require you to select add-on options for extra coverage when signing up for the policy.
» Try these mold and mildew prevention tips to avoid property damage.
How Can a Home Warranty Help With Roof Leaks Coverage?
When you file a claim for roof damage, your warranty company sends a contractor to assess it. Your service provider then funds the repair or replacement if it's covered within your contract limits. These specifications also dictate the maximum payout for each item or system.
Why Have Roof Coverage in a Home Warranty?
Having roof coverage in your home warranty offers several significant benefits:
- Financial protection: Roof repairs can be pricey. Home warranty coverage protects you from unexpected roof leaks or damage expenses. Instead of paying the total repair cost, you only need to cover a service fee.
- Budget-friendly: Home warranties are economical because they allow you to manage repair costs in small amounts instead of high once-off payments.
- Timely repairs: A home warranty encourages timely repairs. Regular maintenance and addressing issues promptly can prevent more significant problems.
- Added home value: A home warranty, including roof coverage, is one of the ways to increase your home's value. It's an attractive feature for potential buyers as they can inherit the cover you have on your house.
- Peace of mind: Knowing that your roof is covered provides peace of mind. If a leak happens, you can rely on the warranty to handle the repair process as soon as possible.
What to Consider When Choosing the Best Home Warranty With Roof Coverage
There are many essential questions to ask when purchasing a home warranty plan. But here are some key considerations to help you make an informed decision:
Service Area
Verify that your home warranty provider's service network covers your location. Some companies have limited coverage regions. For instance, Select Home Warranty isn't available in Nevada, Wisconsin, and Washington.
Coverage Terms
Before committing to a plan, understand the fine print regarding coverage restrictions. Also, clarify whether the contract contains any limitations on non-maintenance or pre-existing conditions. For example, sometimes there's a waiting period before coverage starts. Familiarizing yourself with these terms avoids surprises later on.
Coverage Amount
Make sure you know the maximum coverage amount for roof repairs under the warranty. Also, check for any caps or limits on payouts to ensure the coverage aligns with your needs and budget.
Policies and Plans
Explore the various plans offered by different providers and choose one that best fits your specific requirements. Some companies provide tiered plans with varying levels of coverage, so consider your priorities and ask consultants to explain the options in detail.
Service Fee
Ask about the service or trade call fee associated with roof repairs. Enquiring about this cost upfront helps you budget accordingly and avoid unexpected expenses when requesting service or making a claim.
Cost vs. Benefit
Evaluate the overall warranty expenses against potential savings on roof repairs or replacements. Consider factors such as deductibles, premiums, and coverage limits to determine if investing in a plan is financially worthwhile in the long run.
Reputation
Research the reputation of the warranty service provider and ensure it works with reputable and certified contractors. Trustworthy professionals can make a significant difference when you need assistance with your roof repairs.
Claim Procedure
Familiarize yourself with the process of submitting a claim and the expected timeframe for receiving repairs or replacements. If you fully understand the procedure, you can get help for any issues easily, and the company can ensure quick fixes for roofing problems.
Roof Types
Roofs are more than just functional. They're also one of the ways to modernize your home's exterior and contribute to aesthetics, energy efficiency, and comfort. A new roof can cost between $4,350 and $33,000, depending on the size of your house. Additionally, different styles and shapes will affect the overall amount.
Here are some common types of roofs:
Gable Roof
A gable roof has two sloping sides that meet at a peak or ridge. It forms a classic triangular shape. A unique feature is the excellent drainage due to its steep slope. You can combine it with other roof types for a distinctive design. Plus, it's straightforward to build. But you need regular inspections and gutter cleanings to prevent accelerated wear and tear.
Hip Roof
A hip roof is a four-sided roof where all sides meet at a peak and slope downward. They're stable for areas with heavy wind, rain, and snow as they hold together well and can provide all-round shade. Continual upkeep can prevent minor issues from escalating.
Jerkinhead Roof (Clipped Gable)
This blend of hip- and gable-style roofing creates a distinctive appearance and combines the benefits of both roofs. But they require regular attention and maintenance from professional contractors.
To repair any roof type, you need to account for minor leaks, moderate flashing, and major restoration-like replacements. This can cost anywhere between $150 and $7,000. Factors affecting the price could be:
- Repair type (minor, moderate, or major)
- Roof material (e.g., clay tiles, slate, wood shakes)
- Roof size and pitch
- Location
- Labor costs
- Complexity of the repair
What Are the Roof Warranty Limitations?
Roof protection limitations are the specific situations or conditions that might limit or exclude coverage. Common roof warranty restrictions include:
- Pre-existing conditions: Find out about home warranties for pre-existing conditions, as damage or defects from before the warranty may not be covered.
- Inadequate maintenance: Failure to properly maintain your roof according to the manufacturer's recommendations may void claims.
- Improper installation: Your warranty may be invalidated if your roof wasn't installed correctly or by a certified professional.
- Cosmetic damage: Some plans may exclude coverage for minor cosmetic issues like surface scratches or discoloration.
- Acts of nature: Damage caused by extreme weather events like hurricanes, earthquakes, or hailstorms may not be covered under certain plans.
Before you buy a house warranty, read the contract terms carefully, as these clauses may result in denied claims or limited coverage later.
Who Needs a Home Warranty With Roof Coverage?
Anyone who doesn't have the financial means to cover expensive roof repairs or out-of-pocket replacements can enjoy peace of mind with a comprehensive plan. Additionally, if you live in a region with severe weather conditions, roof coverage may be particularly beneficial due to the increased risk of damage.
Also, one of the benefits of a home warranty for a home that's old or prone to issues is knowing you're covered by expert contractors when problems start. Home warranties often handle the claims process, finding qualified repair technicians and scheduling appointments, saving you time and hassle.
How to Keep Your Roof in Good Condition
Regular inspections and maintenance:
- Schedule annual roof inspections by a professional to identify any issues early. Detecting problems sooner can help avoid high repair or replacement costs later.
- Clear debris, such as leaves and branches, from your gutters and downspouts to prevent water buildup that can cause breakages and mold.
- Look for signs of damage, including missing shingles, cracks, or leaks, and address them promptly to stop further destruction.
- Trim overhanging branches to stop them from rubbing against the roof surface and breaking roof components like gutters and tiles.
Protective measures:
- Apply roof coatings to enhance durability and weather resistance.
- Keep your roof clean by removing moss, algae, and mold to prevent deterioration.
- Ensure proper ventilation and airflow to stop moisture buildup and extend your roof's lifespan.
- Avoid walking on the roof, as excessive foot traffic can damage shingles and weaken the structure.
How Much Does Home Warranty With Roof Coverage Cost?
Generally, home warranty plans can cost between $240 and $1,000 per year or $20-$85 per month. This option would cover essential systems and appliances like electrical systems, plumbing, and doorbells. Still, the overall amount of your home protection depends on the type of coverage, the provider, and your location.
If you want to include roof coverage, you may need to consider an extra charge. Roof protection is often an optional add-on to the standard home warranty. The average rate for this can range from $10 to $30 monthly. Put your base home plan cost together with your roof coverage price to calculate the total.
Also, review the predetermined service fee, which can range between $60 and $125. Often, plans with higher service charges have lower monthly premiums. This could work in your favor if you have a new roof and live in an area with calm weather, as you're unlikely to need frequent repairs.
You can also get a discount depending on your provider. Many companies will give you a month or two of free roof coverage if you sign up for a year in advance.
Other Home Warranty Services We've Reviewed
Here are a few worthwhile home warranty providers that didn't make our top 10 list. If you can't find the coverage you need from our top providers, check out these additional companies:
- ServicePlus Home Warranty - Best for annual discounts and free coverage
- Amazon Home Warranty - Best for a range of optional add-ons
- Mike Holmes Protection - Best for unlimited coverage for home systems
- Home Security America - Best for transferring plans to new owners
- Landmark Home Warranty - Best for pest control or termite treatment
- United Home Warranty - Best for flexible service fees to reduce premiums
You May Also Like:
- Are Home Warranties Worth it? Insights from Benjamin Joseph, Co-founder & Co-CEO at Liberty Home Guard
- Best Home Warranty Companies in Georgia
- Best Home Warranty Companies in Arizona
- Best Home Warranty Companies in California
- Best Home Warranty Companies in Florida
- Best Home Warranty Companies in Texas
Shield Your Sanctuary With Roof Coverage
You can potentially spend around $6,000 on maintenance and repairs annually, so investing in a home warranty plan with comprehensive roof coverage is an essential step for any homeowner. By safeguarding your home's roof, you secure a crucial part of your sanctuary against the unpredictable elements.
This protection is more than just a financial safety net; it's a commitment to maintaining the comfort and security of your home. Whether you need Choice Home Warranty's rapid response times or Select Home Warranty's state-of-the-art roof monitoring systems, the peace of mind that comes with a home warranty is priceless.
» Want more home warranty options? Call these Choice Home Warranty alternatives.
FAQs
Does a home warranty cover roof leaks?
Yes, some home warranties cover roof leaks, but it's often an add-on option and not part of standard coverage. But roof leaks due to wear and tear are typically included. These occur gradually over time as the house ages and faces exposure to the elements.
Does homeowners insurance cover roof leaks?
Homeowners insurance usually covers sudden, accidental roof leaks caused by events like storms or fallen trees. However, it doesn't pay to repair damage from normal wear and tear or poor maintenance.
What is covered in a home warranty roof coverage?
Home warranty roof coverage primarily focuses on repairing roof leaks. Secondary damage caused by leaks, like mold growth or interior damage, typically falls under your homeowner's insurance policy.
When can you buy a home warranty for roof coverage?
You can purchase a home warranty with roof coverage anytime, but it's most beneficial after your roofer's workmanship guarantee expires. It usually only lasts for about one year after roof installation.
Does a home warranty cover roof replacement?
Home warranties usually don't cover total roof replacement but may include repairs. If your roof requires replacement due to extensive damage or age, it's usually your responsibility.
Who needs a home warranty with roof coverage?
Homeowners, especially those with older roofs or tight budgets, can benefit from roof coverage. Older roofs are more prone to leaks and other issues, making warranty protection valuable.
How many years do roofs last?
Roof lifespans vary based on materials and maintenance: Asphalt shingle roofs typically last 20 to 30 years, metal roofs can weather 40 to 70 years, while tile or slate roofs may endure 50 to 100 years or more.
What is the average cost of a roof replacement?
The average cost for a roof replacement depends on factors like materials and size, but it can range from $4,350 to $33,000. Other materials (metal, tile, slate) may have different price ranges.
