Is A Roof Leak Covered By Structural Warranty

Roof leak coverage is not standard on all home warranties.

Is a roof leak covered by structural warranty. Generally speaking sudden events that damage a well maintained roof and that lead to leaks will be covered by homeowners insurance. Also excluded are leak repair costs labor or coverage for installation errors. A structural warranty is in its simplest terms insurance for the structure of your new home that lasts around ten years depending on policy and provider. Leaks due to more gradual events such as age rot normal wear and tear and inadequate maintenance are generally not covered.

Along with the foundation the roof is the element of the home most commonly assumed to be structural by the homeowner and for that reason warranty administration frequently receives roof leak inquiries from homeowners beyond the first year. This is because the problems caused by roof damage can lead to other more serious structural issues which are far more expensive to fix than a few shingles. Strip shingles have lower warranties and better top tier shingles can be. A home will only hold a structural warranty if during its construction it is regularly inspected by surveyors and meets the technical standards of the structural warranty provider.

When is roof leak covered by home warranty. In dealing with shingles the warranties for asphalt shingle coverage is 20 years to life. In essence roof leaks will need to be fixed if they are the result of a major defect an incomplete job or a specific non structural defect covered by the insurance policy. But even though this coverage is not always included it s a good idea to add it as it can save you hundreds potentially thousands in roof repairs and damage to your home.

As a consequence getting your roof covered by a home warranty that covers roof leaks is always a good idea. It is most often offered as an add on option for standard or premium coverage. For example a roof that could collapse is a major structural defect most warranties for newly built homes however do not cover expenses an owner may incur as a consequence of a major construction defect or warranty repair like the cost of having to move out of one s home while repairs are being made. There are some exceptions to these general principles.

Roof leaks are covered by home warranty if the tradesman or builder is solely responsible for the roof leak. Lowest deductible with select roof leaks on single family homes are covered but patios metal roofs shingles and structural leaks aren t covered. The roof membrane is the only material covered and other accessories like metal edging flashing adhesives and related materials are not included or covered. Select also doesn t cover repairs that require a partial or complete roof replacement.

If a homeowner notices a problem with the roof like a leak which can be attributed to improper installation it may be covered by a workmanship warranty.