Most roof leaks aren’t covered by home insurance, but there are some home warranty plans and providers that do cover roof leaks and repairs.
Are Roof Leaks Covered Under a Home Warranty?
If you’re unfamiliar with a home warranty, this is an annual service contract that covers repairs or replacements on major home systems and appliances like your clothes washer, water heater, air conditioning, and plumbing system. In addition to protecting these items, a home warranty covers optional items like swimming pools, well pumps, and roofs.
While there are some home warranty companies that cover roof leaks, this type of coverage is usually optional or listed as an add-on that you must pay extra for when you sign up for a policy.
Cost of Roof Repairs
The cost to repair a roof will depend on the size of the area that needs repair, the steepness of the roof, the roofing material, and the severity of the repairs needed. Roof repairs can be one of the most expensive home repair costs. Depending on the size of your house, they can cost a few thousand dollars without a warranty or protection plan.
Which Home Warranty Companies Provide Roof Coverage?
Choice Home Warranty, Select Home Warranty, and The Home Service Club all offer roof leak coverage to customers. Below you’ll find roof leak coverage specifics for the companies that provide this type of home warranty coverage.
Choice Home Warranty
In Choice Home Warranty’s sample contract, it explains that repairs of shake, shingle, and composition roof leaks for single-family homes are covered, but foam roofs, tar and gravel roofs, Masonite shingles, gutters, and partial roof replacement are not covered.
Learn More: Choice Home Warranty Review
Select Home Warranty
With Select, roof leaks on single-family homes are covered, but patios, metal roofs, shingles, and structural leaks aren’t covered. Select also doesn’t cover repairs that require a partial or complete roof replacement.
Learn More: Select Home Warranty Review
Liberty Home Guard
Liberty Home Guard offers new customers free roof coverage when they purchase a plan. The limited roof coverage includes roof leak patching on the occupied living area of your home. It does not cover metal roofs, shingles, gutters, flat roofs, skylights, flashing, satellite, or chimney components.
Learn More: Liberty Home Guard Review
Home Service Club
The Home Service Club covers leaks that result from rain or normal wear and tear. It does not cover foam roofs, structural leaks, or improper installations. Note: The Home Service Club will pay up to $1,000 per contract term for roof leak repairs.
Learn More: Home Service Club Review
We recommend getting a quote from the above providers so you can compare your options, negotiate better deals, and find a home warranty plan that fits within your budget.
How to Maintain Your Roof
Since your home warranty will cover only normal wear and tear damage on your roof, it’s important to take care of your roof year-round. Below are just a few tips to help you keep your roof in good shape:
- Clean your gutters at least twice a year—once in the spring and once in the fall. Leaves, dirt, and other debris can build up in your gutters and prevent rainwater from draining properly. If your gutters get too backed up, it could lead to water damage around your roof and cause your gutters to burst.
- Avoid walking on your roof, as this could damage shingles, and use a ladder instead.
- Trim tree branches near your home to prevent them from hitting your roof.
- Clean roof shingles once a year and remove any moss or mold you find. Use a moss removal solution and a soft-bristled brush instead of using a pressure washer, which can lift up the shingles and damage your roof further.
FAQs: Home Warranty Roof Coverage
Is home warranty roof protection worth it?
If you want to have extra protection for your roof and don’t 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, you’ll 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?
Roof coverage will cover leaks that have occurred due to normal wear and tear. Any leaks that are caused by solar installation companies, construction, poor maintenance, people standing on the roof, or natural disasters will generally not be covered. Read your home warranty contract before filing a claim to figure out what is and isn’t covered.
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.
Our Rating Methodology
The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. With that in mind, we spent time creating an objective rating system to score each home warranty company. Here’s what that review process looks like:
- We call every home warranty provider, talking to sales agents and company representatives. We get quotes, ask questions, and fully understand the protection plan offerings.
- We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
- We analyze the sample contracts from each brand we review. This allows us to break down the industry jargon and see what is and isn’t covered so we can give readers straightforward information.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.
With all of that data, we created a rating system to score each home warranty company. Our rating system is a weighted, 100-point scale on the following factors:
- Plan options (25): Every home and every family needs the right home warranty plan for them. Providers with more options and more flexibility were rated higher than those without.
- Coverage specifics (5): What does each plan and each provider cover? The more covered by the provider in their basic plans, the higher the score.
- Pricing (25): Both the monthly fee and the service fee play an important role in the selection process.
- Trustworthiness (25): There are a number of home warranty companies that aren’t reputable and don’t follow through on their agreements. We gauged trustworthiness based on customer feedback from the Better Business Bureau (BBB).
- State availability (5): Where you live plays a role in the options you have for a home warranty. Companies scored higher if they covered more states than their competitors.
- Customer service (10): This factor is based on our own research from calling providers, as well as their guarantees for responding to claims.
- Additional benefits (5): Some home warranty companies offer special promotions or will cover items in their plans that are usually considered optional coverage for most companies. Home warranty companies that offer these types of benefits were scored higher than competitors that didn’t.
In summary, the This Old House Review Team reviewed 45 companies to select this list of the seven best home warranty providers. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability.
To share feedback or ask a question about this article, send a note to our Reviews Team at firstname.lastname@example.org.