While hail damage is hard to predict and prepare for, a good warranty can help protect you from repair expenses. But what exactly does a typical roof warranty cover? Does your roof warranty cover hail damage? What should you look for when reviewing your warranty coverage and terms?
Hail can be a damaging and unexpected weather event that can wreak havoc on your roof. If you've ever had to deal with damage to your roof, you know how costly the repairs can be. This blog will discuss the types of roof warranties and what they typically cover.
What Does a Typical Roof Warranty Cover?
There are two main types of roof warranties.
1. Manufacturers' Warranties
A manufacturer's warranty is provided by the company that made your roofing materials. It can be found on their website, in the product documentation, or from your roofer. This limited warranty generally covers defects in the materials or craftsmanship that could cause premature failure.
Most manufacturers' warranties do not typically cover labor costs or any damage caused due to improper installation. They also do not cover damage caused by severe weather conditions, such as hail or storm damage. However, some manufacturers may offer a separate warranty that covers hail damage.
2. Installation and Contractor Warranties
Some roofing companies may also offer an installation or contractor's warranty. These warranties usually provide more comprehensive coverage than a manufacturer's warranty, so it's essential to understand what is covered, what is not, and how long the warranty is valid.
This type of warranty covers problems due to improper installation and is typically offered as part of a package when you hire a roofer for your project. They usually cover damage caused by poor workmanship or defective roof components. They may also cover the cost of labor and materials used to repair any damage caused during installation.
Most installation and contractor warranties offer a limited coverage period that may last anywhere from 5 to 10 years. These warranties may also be void if you do not maintain your roof under the terms of the contract, do the repairs yourself, or hire a different roofer to do the repairs.
Talk to your contractor if you're unsure what's included in your roof warranty. They may offer additional coverage or extend your warranty depending on the terms and conditions of your policy.
Your Roof Warranty Doesn't Cover Natural or Negligent Damages
Unfortunately, hail damage is generally not covered under most warranties. It's crucial to check the specifics of your warranty agreement before assuming you are covered. Unless you have purchased a separate hail damage warranty from the manufacturer or contractor, it's highly unlikely that your roof warranty will cover any repairs due to hail damage.
This is because warranties only cover damages from materials or work quality defects, not natural disasters such as hail storms. Further, most warranties become void if the roof is damaged due to negligence on the homeowner's part.
Supplemental Warranties You Can Add to Your Existing One
In some cases, you may purchase supplemental warranties that provide additional coverage not included in your existing warranty. These include the following.
This warranty covers damage due to punctures from foot traffic, falling objects, or other events.
If hail damage is not included in your existing warranty, you may be able to purchase supplemental coverage from the manufacturer or contractor for an additional fee.
High Wind Damage
High wind damage is not typically covered under a standard roof warranty. However, you may be able to purchase supplemental coverage that covers any repairs due to high winds.
When looking for a warranty that covers hail damage, it's essential to read the fine print. Most warranties will state what type of weather-related damages they do and do not cover. If you are located in an area prone to hailstorms, opting for a more comprehensive warranty may be your best bet.
Contact Bulldog Builders for A Roof Inspection
If your roof has been damaged because of hail or other causes, Bulldog Builders can help. We offer one-day roof replacement services and financing options for roof repairs. We can also help guide you through an insurance claims process.