Getting A Roof Inspection
If you ever have a dispute over what is covered in your service contract and feel like the cost of repairing your roof should fall on the manufacturer or contractor, then you may want to get a roof inspection to verify your claim.
A roofing contractor can perform a roof inspection to determine what happened and if the roof damage falls within the conditions of the warranty. An experienced roofing contractor can identify problems with defective products or improper installation.
Look For The Following Problems:
- Visible dips
- Warped, cracked, or missing shingles
- Loose or forced up flashing around the chimney and skylights
- Moss or mold growing between shingles
- Leaves or pine needles in the gutters
- Snow or ice weighing down the shingles
You can remove moss, mold, leaves, pine needles, snow, and ice yourself with your hands or a soft-bristled brush. However, we would recommend hiring a professional if you come across larger issues, like damaged flashing or shingles and dips.
Hiring A Reputable Roofer
Unfortunately, there are many unscrupulous people out there claiming to be professionals who are ready to prey on desperate homeowners. They may give you an estimate, pocket your home warranty check, and then never do any repairs. Or they may inflate the cost of the repairs or even make up necessary repairs so as to get more money from your home warranty company. Some storm chasers even go around after storms offering to do inspections and then cause damage while they are up on the roof.
Make sure you hire a reputable Phoenix roofer who has the appropriate license and insurance to do the work. You can easily learn about a roofers reputation by asking for client references, looking for reports with the Better Business Bureau, and researching the company online. If the roofer has a shady reputation, you will find plenty of negative reviews and posts from angry clients who want to tell everyone all about it.
Allstate Roofing has a reputation as one of the most-trusted roofing companies in Arizona. We offer roof replacement for both residential and commercial structures, and we install all the popular types of roofing, including tile, shingle, and foam. Every roofer on our team is licensed and insured, and we are committed to providing high-quality, long-lasting results at an affordable price whether you have home warranty coverage or are financing your new roof installation yourself. to get a free estimate for your roof replacement.
Also Check: How Much Roof Overhang On Shed
Getting Reimbursed For Roof Replacement
Age is not your roofs friend. Unless its made of a material with famed longevity, like slate, a roof depreciates with each year many insurers wont cover those that are over a quarter-century old. Other possible policy exclusions could include improper maintenance or neglect, the use of certain expensive roofing materials , or roofs with more than two layers of roofing material.
To give yourself the best chance of having your insurance company pay for a roof, the first step is to call them out for an inspection. Before they arrive, gather up as many documents as you can, including a copy of your current home insurance policy, any home inspection reports, receipts for any repair work youve done, and photos of any damage that has occurred. All will be helpful in the claims process. The insurance company will send out an adjuster to inspect the damage and offer their own assessment.
Roof Leak Repair Coverage
Your roof is an essential part of your home. When it has a leak, you need to act fast. That’s why we offer coverage to help you take care of leaks as quickly and easily as possible. Now when you discover a covered issue, you can simply contact American Home Shield and we will send a qualified contractor to your home to repair the leak. Roof Leak Repair Coverage is included in our plan and can be added to our and plans.
$1,500 coverage per contract term. *Not available in HI.
- Replacement of shingles or shakes
- Repair or replacement of tiles
- Repair of nail pops
- Seam repair on flat or rolled roof
- Repair of underlayment
- Roof-mounted installations such as a solar water heater or solar panels
- Condo or townhouse roofs
- Damage from hail, ice, mud, or wind
- Metal or green roofs
- Roof-penetrating items such as skylights, vents, chimneys, cupolas, and exhaust lines.
Want full coverage details?
Read Also: How To Extend A Metal Roof Overhang
Get To Know The Components On Your Homes Roof:
- The physical wooden structure surface of your roof.
- Drip edge: Material affixed along the edge of the roof to prevent rainfall/melting ice to accumulate in turn, alleviating the addition of water weight on your roof.
- Underlayment: A physical barrier installed under the shingles to keep the deck dry.
- Flashing: Is a strong tar like substance painted on the roof which will seal and protect joints on areas such as where the roof connects the chimney.
- Shingles: The outermost layer of the roof, which repels water and protects the structural integrity..
- Soffit: A structural material connecting an exterior wall to the edge of the roof under the eaves
- Fascia: The board on the end of the rafters that typically are used to hold the gutters.
- Vents: Fixed exhaust vents are stationary and are designed to allow air to escape the attic.
How To Get Roof Home Warranty Coverage
Not all home warranty companies offer roof coverage, but getting roof coverage with Select Home Warranty is simple. See our home warranty plans to review your options.
In fact, look out for our special offer where we give FREE roof leak coverage with every home warranty contract. During this frequent offer, you can receive our standard roof coverage along with coverage for all of your homes essential appliances and systems. Cover the roof along with the important underneath appliances!
Read Also: How To Add A Gable Overhang
What To Know About Exterior Home Warranties
Protecting your home seems like a no-brainer. After all, your home is a huge investment it provides you with one of lifes most basic necessities. Unfortunately, though, you may not be protecting your home as well as you think you are. Even if you have an insurance policy in place, you may not have a warranty, and this loophole of sorts could cause a problem. However, getting an exterior home warranty closes this loophole tightly.
Faqs: Home Warranties And Roof Coverage
Is home warranty roof protection worth it?
If you want to have extra protection for your roof and dont want to pay expensive repair costs, having roof coverage is definitely worth it. Many homeowners find that making a monthly payment of $30 to $80 is far more predictable than facing much larger expenses unexpectedly.
How long does home warranty roof coverage last?
Home warranty roof coverage lasts as long as the home warranty policy lasts, which is typically a year. If you have a multi-year plan, roof coverage will last until the policy expires.
Can you buy roof warranty coverage at any time?
Yes, you can add on roof coverage when you sign up for a home warranty or you can choose to add it on later.
How do I request service on my roof with a home warranty?
If you have a home warranty and notice your roof is leaking, and the cause is from normal wear and tear, file a claim with your home warranty provider. The company should get a contractor out to you within 48 hours to assess the damage. When the contractor arrives at your house, youll be required to pay a service call fee, which is an amount set by your provider when you purchase a policy. This fee typically ranges between $75$125.
What does home warranty roof coverage include?
Does homeowners insurance cover roof leaks?
Homeowners insurance may cover roof leaks and other roof damage if the cause is due to fire, wind, or hail damage.
Recommended Reading: Install Ondura Roof Panels
Does Homeowners Insurance Cover Tree Damage
It depends on what caused the tree to fall.
When tree damage is covered
Like other things, tree damaged is covered if the cause is sudden and accidental. So if a windstorm causes a healthy tree in your backyard to topple, your homeowners insurance will cover the costs to get you out of this jam.
Bonus: If that same tree was in your neighbors backyard, not yours, your homeowners insurance will still cover you.
When tree damage isnt covered
Lets say a tree in your backyard wasnt looking so good. You knew it was rotting, but didnt do anything about it. Then, a windstorm came about, and totally knocked the tree over, damaging your house. In this scenario, homeowners insurance may not have your back.
Why? Even though windstorm is a covered peril, this situation could have been prevented since the trees been rotting for quite a while.
And if the tree falls due to an earthquake , youre not covered. Reminder: You can purchase separate earthquake insurance to be covered during situations like these.
What Do Home Warranties Typically Not Cover
Home warranties typically do not cover built-in systems and appliances that have been modified incorrectly or improperly installed or that suffer malfunctions as a result of neglect, misuse, accidental damage, or an act of God. Its important to read service contracts carefully because the terms can vary considerably.
As a general rule, home warranties do not cover structural elements. Home warranties also dont cover any item thats protected by a manufacturers warranty.
Also Check: Skylight On Metal Roof
What Does Homeowners Insurance Cover
Homeowners insurance covers the cost of rebuilding and replacing items damaged by destructive situations outlined in the policy, such as interior and exterior structure damage and injuries. Home insurance provides homeowners with financial protection in the event of smoke damage, theft, a fallen tree and certain kinds of weather damage, such as wind or lightning.
Home insurance will also cover the cost of additional living expenses, such as rent or hotel bills, should your home be considered uninhabitable after a perilous event. Some policies will also cover the cost of medical expenses if you or a guest is injured in your home.
Cinch Home Warranty At A Glance
Cinch Home Services, Inc. has been in business since 1978 and is a fast-growing home warranty provider based in Boca Raton, Florida. Prior to a rebrand in 2019, the company was known as Cross Country Home Services.
Cinch offers three clear and comprehensive home warranty plans and allows customers the ability to make claims by phone or online. The Appliances plan covers 30-plus appliances only, and the Built-in Systems plan follows with coverage of its namesake. The Complete Home, labeled the Best Value by the company, includes components from each of the previous plans, along with its own exclusive features. Each plan comes with the same bonus benefits all Cinch account holders are eligible to receive, including the six-month workmanship guarantee.
The company also has several add-on protection options, including pool or spa only, pool with spa, septic tank/plumbing, well pump and a premier upgrade package, which provides added coverage for permits, code upgrades and more.
Service fees range from $75 to $150 per visit from a contractor, which Cinch will dispatch for you within 24 hours.
Don’t Miss: How Do I Know If My Roof Is Leaking
What Does Homeowners Insurance Not Cover
Unfortunately, homeowners insurance doesnt cover all possible catastrophic events. Flood and earthquake protections, which are considered acts of God, are reserved for separate policies.
Like home warranties, homeowners insurance policies are subject to coverage caps, which means that the insurance provider will only pay up to a specified amount outlined in the coverage agreement. All other costs beyond that coverage limit will be the responsibility of the homeowner.
Can A Home Warranty Replace My Roof
Home warranties do not cover a full replacement of your roof. Your home warranty contract will cover repairs due to leaks.
Roof replacement may be handled by your homeowners insurance coverage. Be sure to document the damage as soon as you notice it, such as after a storm or when the leak suddenly happens. Your home warranty does not cover water damage done to personal items.
Did you know you can get a FREE quote today to start comparing home warranty coverage? Find the right plan to cover your roof today and save on roof leaks in the future! Or, give us a call: 860-288-4791
Don’t Miss: How To Repair Roof Trusses
Typical Roof Warranty Coverage Explained
Congratulations on the purchase of your new roof . Now you get to sit back and enjoy the next years with no roofing worries. Or do you? The simple answer is that it depends on what you actually just purchased.
Most building owners or facility managers tend to focus on just the length of the warranty and never fully understand the ins and outs of what is and what is not covered leaving you open to some surprises later down the road. Fully understanding a typical roof warranty can help you get the most out of your coverage.
It probably wont surprise you to learn that roofing warranties are more geared toward protecting the manufacturer than the building owner. Roofing manufacturers spend big bucks on lawyers to compose tons of fine print that ultimately try to limit their own liability if something goes wrong with their roofing products. Thats why its so important that you understand the following before signing off on your project and warranty purchase:
What type of roof warranty am I getting?
What is the actual term of the warranty?
What can void my roof warranty?
What are my responsibilities for maintaining my roof warranty?
What doesnt a typical roof warranty cover?
If you havent purchased your new roof yet, ask for a sample of the roof warranty template and read through it and ask for clarifications from your contractor. If you have purchased already, here are some of the most common questions I get asked.
How And When To Use The New Home Warranty
Its tempting to assume that your new home will look perfect and not show up with any defects. If the build quality is excellent, you may never need to use your builders warranty.
However, many homeowners have been unpleasantly surprised by defects in a newly purchased home. If you start seeing cracks in the walls or foundation, roof tiles falling off, water seeping into the basement, etc., it is time to call your builder and file a claim.
If the builder has purchased a third-party warranty, youll have to get in touch with the company. Always ensure that you have the contact details before taking possession of the property.
When the home systems or appliances experience problems no longer covered by your construction warranty, you can call your home warranty companys customer service department to file a claim. They send over repair technicians to diagnose and recommend a course of action. You will get the service carried out or a reimbursement accordingly.
Recommended Reading: How Much Is A New Roof In Michigan
Read Also: Travel Trailer Roof Repair Kit
Surprising Things Not Covered By Your Home Warranty
A home warranty can be a great way to help defray unexpected costs and protect your new investment as a homeowner. But its important to clearly understand a home warrantys function and what it typically covers. Make sure you have the best protection for your new house, particularly if this is your first home purchase. Use this guide to help you understand the scope of a home warranty and ten surprising things that might not be covered.
What Does A Home Warranty Typically Cover
In case you do not know what a home warranty covers, here is a brief overview.
- Home systems: plumbing, cooling, heating, electrical
- Appliances: dishwasher, garage door opener, oven, water heaters, etc.
- Swimming pool
- Grinder pumps
- Roof leak repairs
Generally speaking, warranties do not cover items that have been neglected or did not receive routine maintenance according to manufacturer or installer specifications. In addition, a warranty may not cover DIY jobs or repair jobs performed by non-certified contractors.
Recommended Reading: Cost Of New Roof California
Youre Our First Priorityevery Time
We believe everyone should be able to make financial decisions with confidence. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.
Does Homeowners Insurance Provide Roof Coverage
If your warranty does not cover your roof replacement, your homeowners insurance may pick up part or all of the bill. Whether your insurer will pay for a roof replacement depends on several factors such as the nature of the damage and whether it could have been prevented.
For example, your policy may cover storm damage, vandalism or fire. However, it will probably not cover a replacement if you have neglected your roof for several years and now need a new roofing system. What this means is that you will need to demonstrate that the disaster is what caused damage to your roof.
Don’t Miss: Roofing Cost Los Angeles
Does A Home Warranty Cover Your Roof
Because roof damage is considered structural, roof repairs or replacements are not usually covered by home warranties. However, you will want to keep up with the maintenance of other integral parts of your home in order to detect roof leaks early on.
Ensuring that your air conditioner and heating systems are well maintained will minimize your chances of having water damage as a result of equipment breakdown. Plumbing leaks due to normal wear and tear from your HVAC system will be covered through a home warranty plan. Catching repairs such as these will leave you better off financially and without the stress of having to find a contractor that is available whenever you are in need.
Purchasing a home warranty plan is still very important to save you money in other areas in your home. Your appliances and home systems are crucial for keeping your home comfortable. Paying for roofing repairs out of pocket can be debilitating financially, and if a roof leak causes structural damage, you may have no choice but to call a roofing company and pay for the expensive repairs on your own.
