How to Choose the Best Roofing Warranty

A new roof is a significant investment in your home, providing protection, energy efficiency, and curb appeal. Given the importance and cost of roofing, selecting the right warranty is crucial. A roofing warranty ensures that you are covered in case of defects in materials or workmanship, giving you peace of mind and protecting your investment. However, not all roofing warranties are created equal. This article will guide you through the process of choosing the best roofing warranty, explaining the different types of warranties available, key terms you should know, and what to look for in a warranty that will meet your needs.

Understanding the Types of Roofing Warranties

Before choosing a roofing warranty, it’s important to understand the different types of warranties available. Roofing warranties typically fall into three categories: manufacturer warranties, workmanship warranties, and extended warranties. Each type of warranty offers different levels of coverage and protection.

1. Manufacturer Warranties

Manufacturer warranties are offered by the company that produces the roofing materials. These warranties cover defects in the materials themselves, such as shingles, underlayment, or flashing. Manufacturer warranties are usually divided into two subcategories: basic warranties and prorated warranties.

• Basic Manufacturer Warranty: This warranty covers material defects for a specified period, usually ranging from 10 to 30 years. It may include full replacement of defective materials within the initial years of coverage.
• Prorated Manufacturer Warranty: After a certain period, the warranty coverage may become prorated, meaning the coverage amount decreases over time. For example, after 10 years, the manufacturer might cover only a percentage of the replacement costs.

Pros:

• Protects against material defects.
• Offered by reputable manufacturers.
• Provides coverage for a significant period.

Cons:

• Limited to material defects, not installation issues.
• Coverage decreases over time in prorated warranties.

2. Workmanship Warranties

Workmanship warranties are provided by the roofing contractor and cover issues related to the installation of the roofing materials. These warranties ensure that the roof was installed correctly and that any problems due to improper installation will be fixed by the contractor.

• Standard Workmanship Warranty: Typically lasts from 1 to 10 years, depending on the contractor. It covers repairs related to installation errors, such as leaks caused by improper sealing or shingle placement.
• Extended Workmanship Warranty: Some contractors offer extended warranties that provide longer coverage, sometimes up to 25 years or more.

Pros:

• Covers installation-related issues.
• Often offered by contractors with a strong reputation.
• Provides peace of mind knowing the installation is backed by a guarantee.

Cons:

• Coverage period may be shorter than manufacturer warranties.
• Quality of coverage depends on the contractor’s reputation and longevity.

3. Extended Warranties

Extended warranties are additional warranties that can be purchased to extend the coverage of both manufacturer and workmanship warranties. These warranties provide longer protection and may cover more extensive repairs or replacements.

• Full-System Warranties: Covers both materials and workmanship for an extended period, often up to 50 years. This type of warranty is comprehensive and offers the most protection.
• Limited Lifetime Warranties: Extends the coverage of basic warranties to a lifetime, though the coverage may still be prorated over time.

Pros:

• Provides comprehensive protection for a longer period.
• Can be customized to cover specific concerns.
• Offers peace of mind for the life of the roof.

Cons:

• Can be more expensive than standard warranties.
• May include exclusions or limitations that reduce coverage.

Key Terms to Know in Roofing Warranties

When reviewing roofing warranties, you’ll come across several key terms that are essential to understanding the coverage being offered. Knowing these terms will help you make an informed decision and ensure you choose the best warranty for your needs.

1. Non-Prorated Coverage

Non-prorated coverage means that the warranty provides full coverage for repairs or replacements without decreasing over time. For example, if your roof fails due to a material defect 15 years into a 20-year non-prorated warranty, the manufacturer would cover the full cost of the materials and, in some cases, labor.

Why It Matters:

• Non-prorated coverage offers greater protection and peace of mind, as you won’t be responsible for a portion of the repair costs as the roof ages.

2. Prorated Coverage

Prorated coverage means that the warranty’s coverage decreases over time. As the roof ages, the manufacturer’s or contractor’s responsibility for repair or replacement costs diminishes, leaving you to cover a larger portion of the expenses.

Why It Matters:

• Prorated warranties can result in significant out-of-pocket costs if your roof needs repair or replacement later in the warranty period.

3. Transferability

A transferable warranty allows the coverage to be transferred to a new owner if you sell your home. This feature can be an attractive selling point, as it offers the new homeowner peace of mind knowing that the roof is still under warranty.

Why It Matters:

• A transferable warranty can increase your home’s resale value and make it more appealing to potential buyers.

4. Exclusions

Exclusions are specific conditions or circumstances that are not covered by the warranty. Common exclusions include damage caused by natural disasters, improper maintenance, or unauthorized repairs.

Why It Matters:

• Understanding the exclusions in your warranty is crucial, as it helps you know what is and isn’t covered, allowing you to take necessary precautions to maintain your coverage.

5. Workmanship Coverage

Workmanship coverage refers to the warranty’s protection against installation errors or defects. This is typically provided by the contractor and covers issues that arise due to poor installation practices.

Why It Matters:

• Workmanship coverage is essential because even the best roofing materials can fail if not installed correctly. Ensure your warranty includes sufficient workmanship coverage.

Factors to Consider When Choosing a Roofing Warranty

Choosing the best roofing warranty involves more than just understanding the types of warranties and key terms. You’ll also need to consider several factors that can influence the quality and effectiveness of the warranty.

1. The Reputation of the Manufacturer and Contractor

The quality of a roofing warranty is closely tied to the reputation of the manufacturer and contractor offering it. A reputable manufacturer or contractor is more likely to honor their warranty and provide reliable service if issues arise.

How to Evaluate:

• Research Reviews: Look for reviews and testimonials from previous customers to gauge the reliability and customer service of the manufacturer and contractor.
• Check Credentials: Ensure that the contractor is licensed, insured, and certified by the manufacturer to install their products. Certification often indicates that the contractor has met specific quality standards.
• Longevity: Consider the manufacturer’s and contractor’s time in business. Companies with a long track record are more likely to be around to honor long-term warranties.

2. Coverage Length and Terms

The length of the warranty and the specific terms of coverage are critical factors to consider. Longer warranties typically offer more protection, but it’s important to understand the terms, such as whether the coverage is prorated or non-prorated.

Questions to Ask:

• How long does the warranty last, and what is covered during that time?
• Does the warranty offer non-prorated coverage, and if so, for how long?
• Are there any limitations or exclusions that could affect the coverage?

3. Cost vs. Value

While it might be tempting to choose the least expensive warranty option, it’s important to consider the overall value of the warranty. A more comprehensive warranty that costs slightly more upfront can save you significant money in the long run by covering repairs or replacements that would otherwise be out-of-pocket expenses.

Considerations:

• Upfront Cost: Compare the upfront cost of the warranty with the potential savings it offers over time.
• Potential Repairs: Consider the likelihood of needing repairs or replacements based on the quality of materials and installation. A higher-quality roof with a comprehensive warranty may have fewer issues.

4. Maintenance Requirements

Some warranties require regular maintenance to remain valid. This might include periodic inspections, cleaning, or minor repairs. Understanding these requirements is important to ensure that you maintain your warranty coverage.

What to Look For:

• Maintenance Schedule: Review the warranty’s maintenance requirements and ensure you can meet them.
• Documentation: Keep detailed records of all maintenance and inspections, as these may be required to file a warranty claim.

5. Transferability and Resale Value

If you plan to sell your home in the future, a transferable warranty can be a valuable selling point. Buyers may be more interested in a home that comes with a warranty, as it provides them with protection against roofing issues.

Questions to Ask:

• Is the warranty transferable, and if so, what are the terms for transferring it?
• Will the transfer of the warranty affect the length or scope of coverage?

Conclusion

Choosing the best roofing warranty involves careful consideration of the type of coverage, key terms, and factors that can influence the value and effectiveness of the warranty. By understanding the different types of warranties available, such as manufacturer, workmanship, and extended warranties, and evaluating factors like reputation, coverage length, and transferability, you can make an informed decision that protects your investment and provides peace of mind. Remember, a roofing warranty is not just a piece of paper—it’s a long-term commitment to the quality and durability of your roof. Taking the time to choose the right warranty can save you money and stress in the future, ensuring that your roof remains a reliable shield over your home for years to come.