We selected American Home Shield as the best home warranty provider for roof leaks. Unlike many competitors, the company covers preexisting roof issues, including physical damage such as dry rot. Another strong option is First American Home Warranty, which covers several common roof types, including tar and gravel.
According to our 2025 survey of 2,000 home warranty users nationwide, nearly 37% of respondents added roof leak coverage to their plans. Addressing leaks promptly is important, as unresolved leaks can lead to severe structural damage and costly repairs.
Keep reading to explore our list of top roof-leak coverage providers and key factors to consider when choosing the best plan for your home.
Comparing Top Home Warranty Companies on Cost and Roof-Leak Coverage
The table below compares our top five roof-leak providers based on key criteria such as monthly cost, coverage caps, and the cost of roof leak add-ons (which is the additional amount you’ll have to pay if roof leaks aren’t included in your base plan).
| Company | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|
B | $36–$100 | $100–$125 | ||
B | $77–$130 | $100–$125 | ||
B | $45–$60 | $70 ($150 for after hours and weekends) | ||
A | $27–$61 | $65–$100 | ||
B | $60–$68 | $100 |
| Provider | Roof-Leak Coverage Cap | Roof-Leak Add-On Cost | Monthly Plan Cost* | Service Fee Cost* | Get a Quote |
|---|---|---|---|---|---|
| $1,000 | $9.99 per month | $29–$89 | $100–$125 | Visit Site | |
| $1,000 | $8.33 per month | $42–$82 | $100–$125 | Visit Site | |
| $1,000 | Varies by area | $44–$58 | $70 | Visit Site | |
| $1,000 | $8 per month | $27–$61 | $65–$100 | Visit Site | |
| $500 | $5.83 per month | $46–$55 | $100 | Visit Site |
*Pricing is based on over 4,000 sample quotes we gathered for single-family homes under and over 4,000 square feet in all 50 states. We then averaged these costs to find cost ranges for each provider.
Top-Rated Home Warranty Providers for Roof-Leak Coverage
Below is an in-depth look at our recommended home warranty companies for roof-leak coverage.
American Home Shield
Roof-Leak Coverage Cap: $1,000
Roof-Leak Coverage Overview
- Covers dry rot, which is typically excluded by other companies
- Offers up to $1,000 in roof-leak coverage
- Covers roofs with existing damage due to improper installation or repairs
Keep in Mind
- Doesn’t cover condominium, townhome, or mobile home roofs
- Charges slightly higher service call fees, or the amount you pay when a repair person visits
Our Review
American Home Shield (AHS) is the only provider we reviewed that covers preexisting conditions for roofs, which are issues that existed before starting your coverage. The company also covers damage caused by improper repair and maintenance, plus dry rot, all of which are usually excluded from roof-leak coverage.
AHS offers up to $1,000 for nonstructural roof leaks, meaning any minor surface damage to your roof that doesn’t affect its structural integrity. For $9.99 per month, you can add roof-leak coverage to the ShieldSilver and ShieldGold plans. This pricing is slightly higher than what other providers charge for the same protection. If you opt for the ShieldPlatinum plan, you get roof-leak coverage at no extra charge.
AHS covers most roof types, except for metal and eco-roofs, which is pretty standard. It also offers a 30-day workmanship guarantee on repairs, which means if something goes wrong within that timeframe, it’ll send a repair person back out without charging you again. Though 30 days is pretty standard for many companies, other providers, such as Elite Home Warranty and Choice Home Warranty, offer guarantees of 60 days or longer. Still, if you have an older roof and want extra peace of mind, AHS could be a solid choice for you.
Customer Experiences
In online reviews, many customers praise American Home Shield for its fast and straightforward claim processing, often receiving a response within 24 hours. We had the same experience when testing AHS, as many of our team members’ claims were processed just a few hours after submission. However, some negative reviews reveal inconsistencies, with certain customers having to wait two weeks or more for repairs or replacements.
We’ve highlighted some sample American Home Shield reviews below:
“American Home Shield responded quickly, sending a contractor onsite within a couple days. They came back and completed the repair within 3 days after I accepted their estimate. The whole experience was quick and the contractors were pleasant and seemed very competent. It was a roof repair so I’ll be able to completely assess effectiveness over time. So far, it was a very good experience!” —Alberta BF., October 2024, on Trustpilot
“AHS was supposed to repair a roof leak. [The] first rain after the repair and the roof still leaks in the same place. They say it is outside of the covered period–30 days–and I will have to pay another service fee to have their repair repaired.” —Brian, February 2024, on Trustpilot
First American Home Warranty
Roof-Leak Coverage Cap: $1,000
Roof-Leak Coverage Overview
- Covers tar and gravel roofs, which most companies don’t
- Provides $1,000 in roof-leak coverage, matching AHS
- Charges $8.33 per month for its add-on, which is less than AHS
Keep in Mind
- Requires roof to be in watertight condition prior to the start of coverage
- Limits coverage to normal wear and tear only
Our Review
First American Home Warranty (FAHW) covers popular roof types such as tile, shingle, shake, and composition, as well as tar and gravel roofs. While tar and gravel roofs are less common in residential properties, they’re typically excluded by providers, so FAHW is a great choice if you have this roof type. Like American Home Shield, First American Home Warranty offers $1,000 in roof-leak coverage and includes this protection in its highest plan, the Premium Plan. If you don’t want the Premium Plan, you can add roof-leak coverage to a different plan for $8.33 per month, which is less than what AHS charges.
Of course, FAHW’s roof-leak coverage has limitations. Like other home warranty providers, it requires that your roof be in watertight condition before coverage begins. This means your roof must be in good shape with no existing damage or leaks. The company also excludes coverage for defects in balconies and decks that serve as a roof. And just like AHS, it backs its repairs with a 30-day workmanship guarantee.
Customer Experiences
Positive customer reviews highlight FAHW’s professional staff and quick claim responses. Our tester also experienced prompt claims processing, typically receiving an assigned technician within an hour. However, some customers have expressed frustration with claim denials and noticed the technician quality can vary from one visit to the next.
Below are samples of FAHW online reviews:
“I had used a different company for many years that had a similar name for my home warranty company and switched to First American about 2 years ago. I have to say that this company has 10 times better customer service than the last one. They are responsive and easy to get hold of if you need to talk to them. Plus the customer service reps are very knowledgeable. I haven’t had any major problems with the contractors so far, so I would recommend First American.” —Steven C., October 2024, on Trustpilot
“They have absolutely the worst contractors. Their contractors almost all have a 1 star review on Yelp. I have had to contact First American 4 times, and in all 4 got really bad contractors. First American refuses to allow other contractors even when the assigned person is noncommunicative for 10 days after the issue was reported. Don’t waste your money on this company. All they want is their premiums. They do not solve the problem.” —Sanjeev, October 2024, on Trustpilot
Elite Home Warranty
Roof-Leak Coverage Cap: $1,000
Roof-Leak Coverage Overview
- Has a $70 service call fee, which is lower than other companies
- Offers $1,000 of roof-leak coverage, similar to AHS and FAHW
- Includes a 90-day workmanship guarantee, three times the industry standard
Keep in Mind
- Doesn’t cover roof leaks during the first 90 days of coverage
- Limits roof leak patching to the occupied living area only
Our Review
Elite Home Warranty offers $1,000 in roof-leak coverage plus a generous 90-day workmanship guarantee—three times longer than AHS or FAHW’s. This means that if your roof leaks again after a repair, Elite will take care of any related issues at no extra cost. The company also has a service call fee of just $70, which is $30 less than most of our reviewed providers. This makes Elite a great option for homeowners who may need multiple repairs throughout the year. For instance, a smaller issue like a minor roof leak can be resolved without incurring an additional service call fee of $100 or more.
On the downside, Elite doesn’t have consistent pricing for its roof-leak coverage, as quotes vary by state. It also excludes things other providers don’t, such as coverage for damage caused by foot traffic on the roof and issues related to heating and cooling equipment. Another drawback is the 90-day waiting period, meaning any leaks discovered shortly after starting your policy won’t be covered, potentially leading to unexpected costs.
Customer Experiences
Customers like Elite Home Warranty’s personalized support team, especially the dedicated concierge who guides them through the claims process from start to finish. Homeowners also enjoy the variety of plans and add-ons, along with the extended workmanship guarantee. However, some customers have been disappointed by the lack of online resources, like an online quote tool and claim status updates. Additionally, reaching the company can be a challenge, with some customers stating that callbacks took several days.
Below are sample reviews from Elite Home Warranty customers:
“Very informative and polite. Appreciated the variety of options as well. The information provided seems very comforting knowing I’m covered if anything goes wrong and my bad experience with another company at my old home won’t happen again. I really liked the option of having a warranty of 90 days after the maintenance is done for any other potential issues” —Brenda L., August 2024, on Trustpilot
“I had really high hopes for this warranty company, and had a good experience the first time I used them, but it has gone downhill from there. My policy says that ceiling fans are covered, but they won’t fix a broken switch (even though the policy literally says switches and controls are covered.) Then to ‘assess the situation’, they want to charge an additional $70, even though they are already charging me for an electrician to come to my house for a claim they admit is covered.” —Drew C., October 2024, on Trustpilot
2-10 Home Warranty
Roof-Leak Coverage Cap: $1,000
Roof-Leak Coverage Overview
- Includes flashing in its coverage, which is typically excluded
- Offers an unlimited workmanship guarantee, the longest in this review
- Provides the most affordable roof-leak add-on of reviewed providers
Keep in Mind
- Charges an extra 9.4% processing fee for monthly plans
- Has a limited contractor network, per some customer reviews
Our Review
If you want affordable coverage, 2-10 Home Buyers Warranty could be the perfect fit. With plans starting as low as $32 per month, it stands out as the most competitively priced company in this review. It also offers an add-on for just $8 per month, which is lower than what most other providers charge. Similar to other providers, 2-10 offers $1,000 in roof-leak coverage. Its coverage is backed by an unlimited workmanship guarantee, giving you protection against all potential future issues related to those repairs. Plus, it’s the only provider that covers flashing, which is the metal component that diverts water from roof joints. Most home warranty companies exclude this.
Despite its lower costs, 2-10 does charge a 9.4% processing fee if you opt for a monthly plan. This fee can add up, potentially offsetting the initial savings and making it less attractive for budget-conscious homeowners. Like Elite Home Warranty, 2-10 also doesn’t cover leaks caused by damage from people walking or standing on the roof, as well as those resulting from anything other than rain or normal wear and tear.
Customer Experiences
Homeowners like 2-10’s lengthy workmanship guarantee and friendly customer support team. However, there were frequent complaints about its limited contractor network, with some customers noting that the closest technician was hours away. Some reviews pointed out that reaching customer support could take longer than expected, and repairs sometimes got delayed because multiple technicians were involved.
Here’s what homeowners think about 2-10 Home Buyers Warranty:
“I have been with them for over 5 years, all of my claims have been honored and paid. The process for repairs is okay. I wish the company given the repair would call within the 24 hour period versus me contacting them. The appointment is scheduled [d] without my approval, and then we have to reschedule to fit into my/the customer’s schedule. Everyone does not work from home!” —Fidelia A., May 2024, on Trustpilot
“The wait time is horrible. They say it takes between 3 to 5 business days for any decision to be made on a call. I have never had information returned in that time. Also, the 3 to 5 days starts over if it is moved to another department. Three weeks with no hot water was the result.” —Phillip B., September 2024, on Better Business Bureau (BBB)
Choice Home Warranty
Roof-Leak Coverage Cap: $500
Roof-Leak Coverage Overview
- Includes a 90-day workmanship guarantee on parts and a 60-day guarantee on labor
- Offers the lowest-priced comprehensive plan in this review, which covers systems and appliances
- Provides the lowest roof-leak add-on for under $6 per month
Keep in Mind
- Doesn’t cover tile roofs or certain types of shake and shingle roofs
- Has the lowest roof-leak coverage cap in this review at $500
Our Review
Choice Home Warranty (CHW) is an excellent option for homeowners seeking the cheapest comprehensive plan and roof-leak protection available. Its top plan, the Total Plan, costs only $55 per month, making it the most affordable comprehensive option in our review. This plan can save you up to $19 monthly compared to similar comprehensive plans from other providers. Plus, with the lowest add-on roof-leak coverage in this review at only $5.83 per month, you can keep your roof protected for less than $70 a year.
However, Choice’s affordable plan options come with less coverage, with a lower $500 cap and more coverage exclusions. The company doesn’t cover several roof types, including tile, foam, tar, gravel, and metal. While it does cover shingle and shake roofs, it specifically excludes Cemwood or Permatek shakes and Masonite shingles. Additionally, the company is involved in an ongoing lawsuit with the Arizona Attorney General’s Office over claims of deceptive practices related to contracts and payouts.
Customer Experiences
Choice Home Warranty has received great feedback for its friendly customer support team and reliable technicians who get repairs done quickly. Homeowners also love how easy it is to navigate the company’s website. In contrast, there have been some complaints about denied claims, delays in getting repairs done, and trouble reaching customer support. Our tester also had a mixed claims experience, with some repairs taking just one day to complete and others requiring three or more separate technician visits.
Here’s a sample of customer reviews for Choice Home Warranty:
“I had my roof replaced several years ago but noticed a few water spots on my ceiling in two rooms. I called to get it checked out and CHW sent someone out within 24 hours. The verdict was my roof was good, stains were old and I now feel more at ease. Thank you Johan with Makeover Roofing!” —Sharon F., April 2024, on Trustpilot
“If I could give no stars I would. I have paid this company for years. Nothing is ever covered. There is always a loophole!!!!! They did not cover my hot water heater, my electric, my A/C, or my small roof leak. There is always an excuse. I am reporting them and seeing how far I can take this.” —Brian K., June 2024, on Trustpilot
Which Home Warranty Companies Didn’t Make the List?
While finalizing our list of top roof-leak providers, we excluded a few companies that we typically recommend but don’t here because they offer limited roof-leak coverage. Still, they can be great choices for homeowners with particular needs. We’ve highlighted these companies below.
AFC Home Warranty
AFC Home Warranty offers roof-leak coverage as an add-on option, but its $250 coverage limit is one of the lowest we’ve seen from a provider. However, it stands out by offering a plan-length guarantee on repairs, meaning any repair completed under the warranty is covered for the plan’s duration. AFC Home Warranty could be a solid choice if you prioritize long-term repair guarantees and are comfortable with lower coverage limits for roof leaks.
Liberty Home Guard (LHG)
Liberty Home Guard offers over 40 add-on options, including roof-leak coverage. While its coverage has a $500 cap, it excludes tile and shingle roofs. LHG could be a good fit for homeowners seeking reliable coverage for shake or composite roofs and looking to customize their plan with a range of add-ons.
Select Home Warranty
Select Home Warranty offers free roof-leak coverage with every plan, a feature that many providers reserve for their highest-tier options. However, the coverage is limited to $400, which is lower than what our top picks provide. Select also offers plans for under $60 per month, making it a good choice for budget-conscious homeowners.
What Parts of a Roof Does a Home Warranty Cover?
Having roof-leak coverage helps reduce repair costs, but not for every type of roof damage. Home warranties cover normal wear and tear that occurs over time. Coverage doesn’t include damage due to structural issues or natural disasters such as hurricanes. In addition, coverage varies by roof type. For example, while some companies cover composition roofs, others may exclude certain types of shingle roofs.
In the table below, we compare the roof leak coverage offered by our top home warranty providers.
Key Roof-Leak Coverage by Provider
| Roof-leak Coverage | American Home Shield | First American Home Warranty | Elite Home Warranty | 2-10 Home Buyers Warranty | Choice Home Warranty |
|---|---|---|---|---|---|
| Composition roofs | ✔ | ✔ | ✔ | ✔ | ✔ |
| Damage caused by normal wear and tear | ✔ | ✔ | ✔ | ✔ | ✔ |
| Dry rot | ✔ | 𝗫 | 𝗫 | 𝗫 | 𝗫 |
| Flashing | 𝗫 | 𝗫 | 𝗫 | ✔ | 𝗫 |
| Nonstructural roof leaks | ✔ | ✔ | ✔ | ✔ | ✔ |
| Patching over occupied living area only | 𝗫 | 𝗫 | ✔ | ✔ | ✔ |
| Shingle roof | ✔ | ✔ | ✔ | ✔ | ✔ |
| Shake roof | ✔ | ✔ | ✔ | ✔ | ✔ |
| Tar and gravel roofs | 𝗫 | ✔ | 𝗫 | 𝗫 | 𝗫 |
| Tile roof | ✔ | ✔ | ✔ | ✔ | 𝗫 |
How Much Does Roof-Leak Coverage Cost?
A home warranty with roof-leak coverage typically costs between $468 and $816 per year, with an additional $8 per month for a roof-leak add-on, depending on the provider. Pricing varies based on factors such as the size of the home, location, and the warranty provider’s specific coverage terms. These plans help homeowners manage minor roof repairs, preventing small leaks from escalating into major issues.
It’s important to note that home warranty roof-leak coverage does not include major damage or full roof replacements. Instead, it focuses on addressing minor issues early to help homeowners avoid significant repair costs down the line. Typically, a homeowners insurance policy can cover roof damaged caused by storms, severe weather, and other uncontrollable events.
Reading the Fine Print of Your Roof-Leak Coverage Plan
Roof-leak coverage has exclusions and limitations, including specific roof types and types of damage covered. For example, a home warranty company may deny coverage if your roof has existing damage due to poor installation, improper repairs, or lack of maintenance.
Here are some common exclusions typically found in roof-leak warranties:
- Damage from natural disasters: Home warranty companies usually won’t cover roof damage caused by natural disasters like hail, hurricanes, or major weather events. Homeowners insurance is generally required for this type of protection.
- Detached structures and building extensions: Roof-leak coverage generally doesn’t extend to detached structures like porches, patios, and garages or attached building extensions such as balconies and decks. Coverage is typically limited to leaks that affect the home’s occupied areas, like living rooms, bedrooms, and kitchens.
- Items penetrating the roof: Certain features that penetrate the roof surface, including chimneys, skylights, and vents, are not typically covered under roof-leak plans, as they’re not considered part of the main roof structure.
- Roof-mounted installations: Items installed on the roof, like solar panels, solar tiles, antennas, and satellite dishes, are often excluded from coverage. Roof fixtures like gutters, downspouts, and flashing are also commonly excluded.
- Specific roof types: Some roof types, such as metal roofs, tile roofs, green (eco) roofs, tar and gravel roofs, and flat roofs, are often excluded from standard coverage due to their specialized materials and repair requirements.
- Structural damage: Most roof-leak plans limit coverage to nonstructural damage, often caused by normal wear and tear. Crucial structural components, such as beams and rafters, are typically excluded.
How To Choose the Right Home Warranty for Roof-Leak Coverage
Choosing a home warranty for roof-leak coverage means checking if your roof type is covered, understanding exclusions, and evaluating claims processing. Most home warranty plans cover common materials such as asphalt shingles and slate but may exclude green or turfed roofs.
Coverage is often limited to leaks and does not include preexisting damage, missing or damaged shingle repair, mold, or structural issues. Delayed repairs can worsen the damage, so response time matters. We recommend reading customer reviews to gauge provider responsiveness and claims efficiency.
Most providers require proof of regular maintenance before approving claims, such as documentation of professional roof inspections, records of repairs, or receipts for routine maintenance such as gutter cleaning and sealing. Keeping your roof in good shape helps with coverage eligibility and extends its lifespan. Performing routine roof maintenance twice a year can help you avoid coverage denials and costly repairs.
Advice From Real Homeowners
Many homeowners don’t have a plan for handling roof leaks beyond their homeowners insurance, which only protects your roof from weather-related damage and not normal wear and tear. We spoke with two South Carolina homeowners, Jennifer B. and Brandi H., who took two different approaches to their roof-leak issues.
Jennifer recently went through a weather-related roof repair covered by insurance and shared that she had no plan for non-weather-related leaks. “Depending on how much it costs, I would pay out of pocket and DIY the problem,” she said. However, a do-it-yourself (DIY) approach to leaks isn’t always effective.
Brandi found that patching her roof only provided temporary relief. “We tried putting it off for a couple of years by patching with elastomeric, but after those two years, we had PTSD from waking up in the middle of the night with flashlights looking for leaks,” she explained. “We bit the bullet and just had the roof redone by professionals.”
A home warranty with roof-leak protection can be a practical solution, covering both minor and wear-related leaks without the headaches of DIY fixes. This type of coverage can save time, reduce out-of-pocket costs, and safeguard your home and sense of security.
How We Evaluated Providers on Roof-Leak Coverage
To help you find the best roof-leak coverage, we reviewed top providers using a comprehensive scoring system. Below is a breakdown of our process.
Our Rating System
We consulted home warranty experts, researched each provider, reviewed coverage details, interacted with customer support teams, and tested 11 home warranty providers firsthand. We also surveyed over a thousand current home warranty customers to gain a better understanding of their coverage needs, buying habits, and claim experiences.
Using our research, we developed a detailed methodology to score each company on six categories: coverage (35%), cost (20%), trustworthiness (15%), plan transparency (10%), customer support (10%), and flexibility (10%).
When evaluating home warranty companies on their roof-leak protections, we focused on the following factors:
- Roof-leak coverage caps: When looking for the best roof-leak protection, it’s important to choose a provider that offers enough coverage to offset typical roof-leak costs. We looked for providers that offered at least $500 in coverage since that amount would cover minor repairs. Companies that exceeded that limit received more points. We didn’t include providers that fell below this threshold.
- Roof type inclusions: The top roof-leak providers should cover several common residential roof types. We checked whether each provider covers shingle, tile, shake, and composition roofs. We also considered providers that offered coverage for less common roofing types, such as tar and gravel. We eliminated any provider that only covered two or fewer roof types.
- Firsthand experience with the claims process: Our team submitted home warranty claims for various repairs and replacements to gain firsthand insight into the claims process. This experience allowed us to assess the responsiveness and efficiency of different companies, providing a clearer understanding of what homeowners can expect when navigating claims.
