Once you purchase a new roof, it is imperative to review the issues that would affect your roof’s warranty. For instance, what does your roof warranty cover? Most people just concentrate on the length of the warranty and forget to ask about the type of warranty they have taken. Property owners should know the type of roof coverage they take so as to know how it will compensate their losses. As such, it is imperative to review the options available to you.
For instance, you may take a contractor roof warranty or a manufacturer roof warranty. The manufacturer warranties may differ from one manufacturer to the other, with some covering only the materials and others insuring the entire roofing system. Contractor roof warranties, on the other hand, only cover the labor used in installing the roof.
What Does Your Roof Warranty Covers?
Areas covered by the roof warranty you take entirely depends on the type of warranty you take. Subsequently, it is vital to understand what type of cover you take before buying any roof system. The areas covered in most typical roof insurance policies include;
Roof Leak Repair
For you to qualify for a roof leak repair, the circumstances under which the roof is damaged must be acceptable to the policy. Issues to do with damage caused by fire, lightning, and neglect may not be compensated. Most of the roof warranties, however, compensate for labor and material costs used in roof leak repairs.
Most manufactures issue manufacturing defects coverage. Depending on the brand, you can get between 20 to 50 years coverage for any defect in the roofing products. You will, however, be required to read and understand the coverage instructions since every warranty has specific conditions.
Roofing errors related to installation and costs of fixing the roofs are covered by roofing contractors. The contractors offer you this policy to cover labor works on your roof only and not the materials used to repair or fix the roof.
Roof insurance policies may not cover any damage caused by wind on your roof. The coverage depends on the speed of the wind. You need to find out from your contractor the speed of wind whose damage you may be compensated for. It is also advisable to upgrade your wind gust if you own premises in a wind-prone area even if it increases your roof warranty costs and the total cost of your roof. On average, compensation for high winds is pegged at a wind speed of 3 seconds under 55mph gusts.
Hail roof destruction cover
Hail coverage is also provided under the roof insurance policies. However, in case your building is located in an area that is often hit by hailstorms, you will be required to install a design that can shield your roof from excessive hail damage. Such improvements will increase the cost of your roof system.
So, what does your roof warranty cover? To fully answer the question, you also need to know the areas that may not necessarily be covered under your roof insurance. Such incidents include floods, fire, still water on the roof, and improper roof repairs. Additionally, if you do unauthorized repairs, the cover will not cover any damage costs that will result from them.
Knowing the kind of roof protection you have is vital. Failure to ask questions and clarification may lead to losses that will not be compensated. You should always be on the lookout for insurance policies that cover roofs against the main issues that may occur in your location.