A roof replacement can be a very costly home improvement project for Northern Virginia homeowners, costing thousands or tens of thousands of dollars. However, this type of work cannot be delayed as a home could experience widespread and costly damage if its roof is not performing optimally, especially if bad weather strikes. In some cases, a roof warranty or insurance can help defray some of these costs. Here is what you need to know about roof warranties and insurance in Northern Virginia.
Understanding Roofing Warranties
There are two main types of roofing warranties to be aware of: contractor warranties and manufacturer warranties. The key to getting the most out of any type of warranty is understanding which type you have, what it covers and the steps you need to take to maintain its coverage.
Most roof warranties are manufacturer’s warranties, which mean they come from the company that made the shingles. For example, on a typical asphalt shingle, the manufacturer will often include a 25 to 30-year warranty. However, some offer 50-year coverage or lifetime options.
A basic manufacturer’s roofing warranty generally covers the materials of the roof. When it is time to submit a claim, homeowners should bear in mind that the price will be prorated. In addition, this type of warranty does not normally cover the cost of disposal.
Although most general manufacturer’s roofing warranties will not cover workmanship, it may be possible to upgrade to an enhanced warranty that covers workmanship and the full replacement value of the roof for a set period.
Some roofing contractors may offer a warranty to cover their workmanship. However, these warranties can vary significantly depending on the contractor. Therefore, homeowners should study the language of the warranty carefully. When working with a contractor who is offering a warranty, be sure to receive it in writing with detailed information about what it covers and what is not covered. Although most contractor warranties only cover workmanship, some may also cover materials.
What Is Not Covered by a Warranty
There are some types of damage that will not be covered by most warranties, even with extended coverage. For example, roof damage associated with heavy snowfall is a common exclusion. However, homeowners who are concerned about this type of damage may be able to request coverage for it and pay an additional fee. Your roofing contractor can add protective features to the roof to protect against these types of issues.
Protecting Warranty Coverage
Failing to properly maintain a roof can render a warranty null and void, making it impossible to pursue a roof replacement using its coverage. There are several steps homeowners can take to protect their warranty coverage.
First, regular inspections are essential. A roof should be inspected at least once every one to two years so contractors can find any minor problems and address them before they get worse. Staying on top of issues such as deteriorating caulking and damaged shingles or flashing can help maintain your warranty coverage; check the fine print to find out how often these inspections need to take place. You should also check whether you are permitted to conduct small repairs and maintenance tasks yourself or if you need to use your contractor.
You should also ensure you register your warranty by submitting the form to the manufacturer. If it is an enhanced warranty, the contractor who installs the roof may be required to register the warranty on your behalf.
If you are obtaining protection via a contractor’s warranty, be sure to read the fine print as it may be voided if a different company is used to alter their installation.
Some homeowners insurance policies provide coverage for your roof, including replacement in the event that it becomes damaged. However, this coverage is typically limited to damage caused by acts of nature or emergencies. This means that issues related to aging roofs or wear and tear will not be covered as these are considered general maintenance responsibilities that fall on the owner.
Homeowners will be required to pay the deductible that applies to their policy before their insurance for covered damage will kick in. In states where there is a high risk of weather-related damage, there may be a higher deductible for roof damage stemming from hail, tornados or hurricanes.
In cases where a roof is damaged, the water damage caused by leaking to the furniture, flooring or walls may be covered by the “all perils” component of the policy, even if the roof repair is not covered.
Many insurers will not cover a roof that is more than 20 or 25 years old. Some also exclude neglect and improper maintenance, roofs that have more than two layers of material, and some types of high-end roofing materials, such as cedar shakes.
Discuss Your Roofing Needs with Adelphia Exteriors
If you are seeking a roof repair or replacement, reach out to the experienced roofing contractors at Adelphia Exteriors. Our team can help you determine if your warranty or insurance will cover some of the costs and carry out the work professionally and affordably.