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?

Select Home Warranty, Liberty Home Guard, 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.

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.

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FAQs: Home Warranty Roof Coverage

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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