What is the difference between a roof warranty and an insurance claim?
A workmanship warranty covers how your roof was installed. A manufacturer warranty covers defects in the roofing materials. Your homeowners insurance covers sudden damage from events such as hail or wind. Each one covers something different.
Workmanship warranty
A workmanship warranty is the roofing contractor’s guarantee on their installation. If your roof leaks because of how it was installed, this is the warranty that applies.
Workmanship warranties vary from one contractor to another, so ask what is covered and for how long. Old Pro Roofing offers a five year workmanship warranty on every roof.
Manufacturer warranty
A manufacturer warranty comes from the company that made the shingles or other roofing materials, and it covers defects in the product.
Manufacturer warranties do not cover improper installation, which is why the workmanship warranty matters.
Homeowners insurance
Your homeowners insurance covers sudden damage from events such as hail, wind or a falling tree. It does not cover normal wear and tear or a roof that was installed incorrectly.
Many roofs in North Texas are replaced through insurance claims after hail storms.
Frequently Asked Questions
My roof is only a few years old and it is leaking. Which one applies?
It depends on the cause. A roof inspection can help determine whether the problem is installation, storm damage or a product defect.
Does a workmanship warranty transfer if I sell my home?
It depends on the contractor. Ask before you sign your contract.
Does filing an insurance claim void my warranties?
No. Warranties and insurance cover different things, and they can apply to the same roof.
