Does My Roofing Warranty Cover Storm Damage?

Your roof is your home’s first line of defense against the elements, and a good roofing warranty provides added peace of mind. However, damage from severe storms — often referred to as “acts of God” — is generally not included in roofing warranties. Other options may offer the coverage you need for such situations. This way, if Mother Nature decides to show her more tempestuous side, you’re prepared for a roof replacement or repair. Continue reading to learn more.

Why Roofing Warranties Don’t Cover Storm Damage

Damage from severe storms is typically not covered by standard roofing warranties. Unforeseen natural disasters that are not preventable, such as hurricanes, tornados, or hailstorms, usually cause extensive damage. Their unpredictability means they’re often excluded from standard warranty coverage.

However, this doesn’t mean such damage is a total loss. Some companies offer extended coverage that includes damage from high winds and hail as well as puncture damage. If you live in an area prone to severe weather conditions, this type of coverage might be worth considering.

Why Homeowner’s Insurance Is Your Best Bet

More often than not, homeowner’s insurance covers all or part of the cost of storm-related repairs. This insurance usually covers a range of perils, including windstorms, hail, lightning and other forms of storm damage.

Reading your warranty and insurance policy carefully is essential to understanding what’s covered. Even more importantly, maintain regular check-ups and maintenance on your roof to minimize the likelihood of severe storm damage.

Other Usual Warranty Exclusions

Understanding other standard exclusions in roofing warranties is vital for homeowners. The following are some of the ones you should know about:

Improper Installation – Incorrect installation as per the manufacturer’s guidelines may void your warranty. Always hire a reputable contractor to maintain your coverage.
Poor Ventilation – Inadequate ventilation leading to heat and moisture buildup can cause damage not covered by most warranties.
Unauthorized Alterations – Unauthorized changes to your roofing system, like installing satellite dishes or solar panels, can invalidate your warranty.
Lack of Maintenance – Neglecting roof repair and maintenance can void your warranty due to improper care.
Transfer of Ownership – Many roofing warranties are non-transferable and may not carry over to a new homeowner upon the sale of the property.
Material Defects – Not all warranties cover material defects. Read your warranty carefully for coverage on issues like manufacturing defects and premature wear.

Home Pro Exteriors, Inc. ensures quality craftsmanship for those seeking roof replacement in Middletown and Monroe, NY. With years of experience, we are equipped to handle roofing problems, offering peace of mind and protection for your home. We’re also one of the leading siding contractors in the area. Call us at (845) 343-1777 or visit our contact page to schedule a consultation.

Jim Klein