When you own a home, investing in a roofing warranty is key to taking care of your roof no matter what issues come up down the line. Whether you need a roof repair or replacement, without an insurance, you may find yourself out of luck trying to fix a leak or repairing hail damage. Let’s look at how your roofing warranty works, why you need more coverage, and how your roofer can help.
The Facts About Your Roofing Warranty
Roofing is expensive. Whether you’re a homeowner or a renter, you’ll have to do with roofing problems at some point. Insurance, through your homeowner’s policy, will cover most roofing issues. When working with a roofer, they’ll work with your insurance company on your behalf to take care of the financial issues you need to get taken care of to get your roof in tip top shape.
There are many things to consider when choosing the best roofing policy for your roof. This includes the length of time, what the policy covers and how the deductible works. Depending on the type of shingle you go with, or roofing system, in general, you’ll find the insurance you need the change here and there. Some shingles have a lifetime warranty, other systems have a 25 to 50-year warranty. It’s important to work with your roof to choose the right warranty that works well with your homeowner’s insurance to give you the maximum roofing coverage.
One of the most important aspects of roofing coverage is ensuring you know what voids it. This is important because if the roofing company you go with cuts corners or does something wrong, your insurance may not cover issues in the future.
Some of the things to look out for in a roofing warranty policy include the following:
- Improper attic ventilation and repairs
- Improper roof installations, including city inspector failures
- Certain damage from Mother Nature and acts of God
- Lack of homeowner maintenance
- Interior leaks or issues that damage the roof
Many homeowner policies offer coverage depending on where you live for acts of nature or God, including wind, hail and ice damage. You can also get extra coverage if you have a roof deck.
When choosing a roofing warranty, it’s important to pick a total coverage policy that ensures you’re covered from what may happen where you live. Take where you live into account, the age of your home and any other aspects where you think investing in the future of your roof is worth the insurance policy before signing on the dotted line.