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The Best Home Warranty Companies for Roof Coverage (2022)

When you think about home warranties, the first thing that comes to mind is coverage for home systems and appliances. However, many of the best home warranty companies have actually expanded their services to include swimming pools and spas coverage, pest control, lawn sprinklers, and even roof coverage in their home warranty plans. 

Whether you are a home buyer, a real estate agent, or a homeowner, we can all agree that a roof is one of the most important parts of the house. It’s also one of the most expensive parts to fix. In many cases, home insurance covers roof damage due to weather and elements, but the deductibles can be rather high. Home warranty roof coverage, however, has much lower deductibles, and that coverage typically includes leaks resulting from rain and/or from normal wear and tear.

Best home warranty for roof coverage

Choose your State:
Raiting:97.60
  • Silver Systems Plan
    $630
  • Platinum Combo Plan
    $675
Roof leaks
Roof leaks
  • Сost
    +$0
  • Limit
    $400
Roof Coverage Details

Covered by
Choice Home Warranty

  • Repair of shake, shingle, and composition roof leaks over the occupied living area

Not Covered by
Choice Home Warranty

  • Porches
  • Patios
  • Cracked and/or missing material
  • Foam roofs
  • Tar and gravel or metal roof
  • Cem wood shakes
  • Masonite shingles
  • Flat or built-up roof
  • Structural leaks adjacent to or caused by appendages of any kind
  • Downspouts Flashing
  • Gutters
  • Skylights
  • Decks
  • Patio covers
  • Solar equipment
  • Roof jacks
  • Antennae
  • Satellite components
  • Chimneys
  • Partial roof replacement
  • Preventative maintenance.

Covered by
American Home Shield

No Info

Not Covered by
American Home Shield

No Info

Covered by
Select Home Warranty

  • Roof leaks only

Not Covered by
Select Home Warranty

  • Patios
  • Metal roofs
  • Shingles
  • Cracked and/or missing material
  • Tiles
  • Tar and gravel
  • Flat or built-up roofs
  • Structural leaks
  • Gutters
  • Downspouts
  • Skylights
  • Flashing
  • Solar components
  • Attic vents
  • Satellite components
  • Antennae
  • Chimney components.

Compare Top Providers for Roof Coverage

Provider

Visit Site

Best For

Monthly Costs

Service Fees

BBB Rating

States Available

Choice Home Warranty

Visit Site

Best Overall

$36-$44

$60-$85

B

WA

American Home Shield

Visit Site

Most Customizable

$40-$70

$40-$70

B

AK

Select Home Warranty

Visit Site

Most Affordable

$36-$50

$36-$50

C

NV, WA, WI

The Home Service Club

Visit Site

Best for Quick Coverage

$50-$63

$65-$125

NA

 

Liberty Home Guard

Visit Site

Best Customer Service

$40-$60

$60

A

WA,WI

Top 5 Best Home Warranty Companies for Roof Warranty:

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall roof warranty. With a home warranty from Choice, you will get much more than just coverage for your roof. Choice Home Warranty has been on the market for over 13 years. In these 13 years, Choice has managed to build up a very strong reputation across the country. Choice Home Warranty plans are a mix of both system and appliance coverage, and they have impressive overall coverage. With Choice Home Warranty, the roof warranty is an add-on coverage that will be just as affordable as the rest of Choice Home Warranty’s plans. 

Pros

Cons

Comprehensive plan options

No option to build out a custom plan 

Simple contract

 

Fair pricing for monthly and service fees 

 

Free Cancellation for the first 30 days 

 

Plans, Pricing, and Coverage 

The two plans from Choice are the Basic Plan and the Total Plan. Overall, the plans will contain a mix of systems and appliances, but the Total Plan has some key coverages that many homeowners will not want to miss out on. Coverage caps for the roof warranty will be quite high, like the other coverage caps on Choice Home Warranty, which typically go to about $3000 per item. Choice Home Warranty is known for its overall fair pricing and coverage.  

Here’s a more detailed look at CHW’s plan options:

  • Basic Plan ($42 per month): The Basic Plan covers 13 items, including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. This is a perfect starter plan but will not cover a roof on its own. 
  • Total Plan ($53.33 per month): This comprehensive plan covers all 13 items in the basic plan plus four more to cover a total of 18 items. This plan includes the clothes washer, dryer, refrigerator, and air conditioner coverage. The five additional coverages you get with the Total Plan are well worth the extra few dollars each month. This is the most popular plan, but you will still need to add roof warranty coverage separately. 
  • Optional add-ons: Choice offers nine optional coverages, including roof leaking, central vacuum, septic tank, well pump, pool and spa, sump pump, and stand-alone freezer. The roof warranty is an additional $70 a year, certainly worth the price when you consider the amount of a roof leak repair.  

Plan

Cost Per Month

Service Fee

Basic Plan

$45

$85

Total Plan

$53.33

$85

What Customers Are Saying: 

The rep I spoke with made sure I received all discounts I’m eligible for. He discussed everything covered under the policies and made sure I understood all of it. Michael Lewis is a great rep for your business.” – Source

Read our Choice Home Warranty Review for more information

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for roof warranties. American Home Shield does an excellent job of letting homeowners pick and choose the coverages that will work best for their needs. Whether you are new to homeownership or have been in it for a long time, you will likely know how important it is to have coverage that is a perfect fit for your home’s needs. American Home Shield is considered a premium policy, and the service fees are customizable to help with overall affordability. The roof warranty is an add-on from American Home Shield, and it is going to cost $9.99 per month. Roof warranties will cover leaks in any area of the main part of the home. 

Pros

Cons

More than 50 years of industry experience 

Considered to be a more premium home warranty policy

Can build out your custom plan and customize pricing

Some of the policy choices are priced a bit higher 

Impressive customer service 

 

Plenty of add on coverage choices 

 

Plans, Pricing, and Coverage 

American Home Shield has three plans to choose from. The three plans are just starting points with American Home Shield. You can customize the plan from here and decide what coverages are the best for your needs. American Home Shield has roof warranty coverage as an add-on that will have a coverage cap of $1500. The coverage caps for the majority of systems and appliances from American Home Shield are $2500. American Home Shield has been on the market for more than 50 years, and when it comes to coverage, this is considered a premium plan. 

Take a closer look at AHS’s protection plan options: 

  • ShieldSilver™ ($59.00 per month): This plan offers coverage on 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, doorbells, garage door opener,  heating system, plumbing, and ductwork. Most of the systems on this plan include coverage caps around $2500. This is a very strong home warranty policy that many will take advantage of, and then add the roof warranty as an extra. 
  • ShieldGold™ ($69.00 per month): This plan covers 23 systems and appliances, including many offered on the ShieldSilver plan plus clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. ShieldGold is one of the most popular plans because it has both system and appliance coverage. 
  • ShieldPlatinum™ ($79.00  per month): This plan covers a total of 27 systems and appliances, including the 23 items covered in ShieldGold plus disposal, water dispenser, locksmith, and free roof leak coverage. ShieldPlatinum has many other benefits, including a $1000 coverage for unexpected expenses like permits. This is one of the most comprehensive plans on the market, but it comes at a higher price.
  • Optional add-ons: There are several additional coverages offered by AHS, including the septic system, pool, spa, PC, TV, and well pump coverage. The pool coverage seems to be the most popular option considering the pricing and the coverage. The roof warranty is $9.99 per month.  

Plans

Cost Per Month

Service Fee

ShieldSilver

$59.99

$75 – $125

ShieldGold

$69.99

$75 – $125

ShieldPlatinum

$79.99

$75 – $125

What Customers Are Saying

I’m a new homeowner and this is the first time I had to put a claim in for my gas furnace, which was on the coldest day of the year.I knew I wasn’t the only one with issues, so for them to take me on and get it done quickly was Top Notch. Everything was great from the start of the Claim, The service call, The tech showing up, and then returning with a part to install it. He was clean, knowledgeable and also advised me of future maintenance great upsell. All in All, I was very happy with them and will be using them again Thanks. Stay warm” – Source

Read our American Home Shield Review for more information.

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty on the market. The reason that Select Home Warranty wins as the most affordable home warranty for roof coverage is that it is free. This plan offers free roof leak coverage with any home warranty you purchase. Select Home Warranty has been on the market for ten years, and it is by far the best option you can find for the money. If you are looking for a plan that also has quality workmanship, Select Home Warranty is a great option. Contractors and repair technicians have to pass rigorous testing to be approved by Select Home Warranty. 

Pros 

Cons

Impressive customer service

Some of the covered items have lower policy limits

Combo plan is one of the best on the market

Not always the best plan for high-end appliances and systems

High workmanship quality 

 

One of the most comprehensive plans on the market 

 

Plans, Pricing, and Coverage 

The three Select Home Warranty policies for homeowners include the Gold Care plan which covers appliances, the Bronze Care plan which covers systems, and the comprehensive combo Platinum Care plan. All three of these plans will come with free roof leak coverage. The coverage caps on the Select Home Warranty plans are typically a bit lower than they are from other plans. However, the Select Home Warranty coverage cap for the roof leak is right around $500. This should be enough to help you get a small leak repaired and sealed before you can have the major issues assessed and dealt with. 

Take a detailed look at Select Home Warranty’s plan options:

  • Bronze Care ($41 per month): The Bronze Care plan is a starter appliance plan; this is a very fair price. This plan covers seven major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, garbage disposals, and cooktops. This plan costs the same as the Gold Care plan but doesn’t include systems coverage.
  • Gold Care ($41 per month): Gold Care is very similar to Bronze Care, except that it offers systems coverage only. Again, this plan will come with free roof leak coverage. The six major systems included in the Gold Care plan are plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. 
  • Platinum Care ($47 per month): The Platinum Care plan offers complete protection and covers all systems and appliances that are covered in the Bronze Care and Gold Care plans. It has higher coverage limits on important items such as a $2,000 air conditioner, heating, and hot water heater and comes with free roof leak coverage. This is by far the best plan choice for homeowners looking for a combo policy with a roof warranty included.
  • Optional Add-Ons: There are several optional add-ons, including central vacuums, lawn sprinkler systems, pools, spas, stand-alone freezers, sump pumps, and well pumps. 

Plans

Cost Per Month

Service Fee

Gold Care

$41

$60

Bronze Care

$41

$60

Platinum Care

$47

$60

What Customers Are Saying

I was extremely happy with the service I received from Select Home Warranty and Harris Mechanical I reported the issue late one night and had a technician ( I believe his name is Alberto) at my house by noon the next day. Alberto analyzed the issue and told me he would have to order the part and return it the next day. It took a little longer to get the part than expected, but he kept me informed and returned the next day and finished the repair even though he had to stay into the evening I really appreciated his finishing that night, rather than return the next day. I was very pleased with the entire operation” – Source

For more information read our Select Home Warranty Review.

4. Best for Quick Coverage: The Home Service Club 

The Home Service Club has the best quick coverage for a roof warranty. The great thing about The Home Service Club is that just ten days after paying for the policy, your home warranty plan will be up and running. The Home Service Club does a great job of giving homeowners quick coverage for everything from the microwave to the roof. The Home Service Club considers a roof warranty to be an add-on coverage, and it will cost just over $100 a year to add this to your home warranty plan. With the comprehensive coverage that you can get from this 13-year-old home warranty provider, adding roof coverage could mean your entire home is fully covered. If you want tremendous peace of mind, go with The Home Service Club home warranty. 

Pros

Cons

Policy starts in just ten days

No cheap plan option with limited coverage

Both plans are comprehensive 

 

Strong history in the industry 

 

Great customer service 

 

Plans, Pricing, and Coverage 

There are two The Home Service Club home warranty plans to choose from. The Standard Coverage has about 18 covered appliances and systems, while the Comprehensive Plan has 33. Coverage caps from The Home Service Club will range in price from around $500 to $2500. We are very impressed with the overall coverage that you get with the Standard Coverage, and this is considered the most popular option for The Home Service Club customers. If you have a failed repair, The Home Service Club will come out and fix it within a 90-day window. 

Take a more detailed look at The Home Service Club’s home warranty plans:

  • Standard Coverage ($50 per month): The Standard Plan is the most basic option from The Home Service Club. Even though this is considered the basic plan, there are 18 covered items. The coverages include air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more. Remember that the roof warranty will be an add-on. 
  • Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan from The Home Service Club takes the Standard Plan and increases the coverage by about ten items. The extra coverages include things like gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. Some coverages included under the comprehensive plan are a bit more than an average home will need. 
  • Optional add-ons: The add-on coverages from The Home Service club are quite good. There are 12 additional or add-on coverages as part of their home warranty plan. The add-ons include things like a well pump, service line, plumbing sprinkler, spa and spa heater, free-standing freezer, water softener, and more. The roof warranty has a slightly lower coverage cap and will have to cover issues on the main part of the roof, not the garage or side house. 

Plans

Monthly Fees

Service Fees

Standard Coverage

$50

$65-$125

Comprehensive Coverage

$63

$65-$125

What Customers Are Saying: 

The air conditioner in my mom’s house has been acting so crazy. We couldn’t increase the temperature, so we’ve been freezing for days! We called HSC when we realized things weren’t going to get better, and luckily they were able to send a contractor quickly. Luckily, this was included in our HSC home coverage. I’ve learned it’s both efficient and practical to avail of this company’s services.” Source

Read our HSC Review to learn more.

5. Best Customer Service: Liberty Home Guard, 

 Liberty Home Guard is the best roof warranty for customer service. If you are worried about dealing with miserable employees who don’t know how to handle your home warranty-related issues, choose a Liberty Home Guard plan. This company has only been on the market for about three years, and they have already managed to earn an A rating with the BBB. Liberty Home Guard is quick to answer any questions you have and get service scheduled for your home. The roof warranty coverage from Liberty Home Guard is an add-on, and it will cost $149 per year. This is slightly higher than other companies, but you may find that with all of LHG’s add-on coverages. The good news here is that service fees from Liberty are low. 

Pros

Cons

BBB rating of an A

Optional plan choices tend to be priced a bit high

Quick response times to inquiries and claims

To get a very comprehensive policy, the price increases considerably 

Easy to get in touch with

 

60 Day workmanship guarantee

 

Add-on coverage list is very extensive 

 

Plans, Pricing, and Coverage, 

The three Liberty Home Guard plans include Appliance Guard, Systems Guard, and the Total Home Guard covering both appliances and systems. Some of the premiums for Liberty Home Guard are higher than other plans on the market. Coverage caps are around $1500 for most covered items; the roof warranty does not have a coverage cap and instead will be covered with a reasonable range. Most of the time, this is around the $1500 mark that most LHG’s covered items will have in place. 

Here are more details on Liberty Home Guard’s plans:

  • Appliance Guard ($69.99 per month): The Appliance Guard plan covers 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker. This is a good start plan and can help homeowners to feel like LHG is a bit more affordable. 
  • Systems Guard ($74.99 per month): The Systems Guard plan offers coverage on nine systems, including the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing. plumbing stoppages, and water heater. Systems Guard is slightly more expensive simply because of the higher cost of repairing systems. 
  • Total Home Guard ($79.99 per month): The Total Home Guard plan covers a total of 20 items and is the only comprehensive plan from Liberty Home Guard. The Total Home Guard is the most popular Liberty Home Guard plan, but it is the most expensive. When you add the roof leak coverage to this plan, it becomes one of the more premium-priced options on the market. 
  • Optional add-ons: Liberty has one of the most extensive lists of items offered as add-ons, including some unique ones such as gutter and floor cleaning, re-key service, lawn sprinklers, pest control, and wine refrigerator. The pricing of Liberty Home Guard add-on coverages can add up quickly. 

Plans

Cost Per Month

Service Fee

Systems Guard

$49.99

$75

Appliance Guard

$44.99

$75

Total Home Guard

$54.99

$75

What Customers Are Saying: 

My experience with Liberty has been overall positive but I do want to especially call out that their supervisor staff is truly fantastic with any type of problem you might face. I’ve had the pleasure to work with Jake on a recent claim, and he went to bat for me and had my claim prioritized. As a result, we got our replacement within 24 hours. I sincerely appreciate all the efforts on our behalf.” – Source

Read our Liberty Home Guard Review for more information.

Roof Types

The construction industry offers a variety of roofs to homeowners. Roofs may differ in size, shape, material, and technological capabilities. The most popular roof type in the USA is asphalt shingles. This is the most common material used in roofing due to the relatively cheap price and easy installation. Over 32% of the houses across the country are covered with this type of roofing material.

Asphalt shingles are a great option and can be found at a relatively reasonable price, making it a worthwhile consideration for many homeowners. As an added plus, asphalt shingles can be effectively reinforced with additional materials (like cellulose) without changing the appearance of the shingle.

Many homes have roofs that are the best option according to the regional weather. Slate tile roofing is known to set a high mark when it comes to durability and is often favored in places with frequent, intense weather conditions, including hail, high winds, and water. Even so, you’ll find asphalt shingles to be the most prevalent amongst homeowners across the country.

If you’re looking for a trusted, industry-leading home warranty company, we recommend Choice Home Warranty. They’re a top-rated brand and right now you can take advantage of their current promotions that get you $50 off, plus one free month and free 30-Day cancellation. Get a free online quote or contact a specialist at 929-400-6169 before these deals end. Another great option is American Home Shield which offers $50 off. Get a free quote online or you can call a home warranty specialist directly at 866-464-7521.

Roofing materials used in the U.S.

The next most popular type of roof is concrete or clay tile, which you can find covering about 25% of American houses. This type of roofing looks prettier than asphalt shingles, lasts longer, and is more energy-efficient, but it is significantly more expensive to install than other types of roofing.

Elastomers and plastic materials are used for roofing in 12% of the houses in the U.S. These are relatively new roofing materials that are mostly used in commercial construction and on residential homes with flat roofs. Other materials – including metal, slate, wood shakes, and composite materials – cover the remaining 13% of houses.

Metal roofs last longer than asphalt shingles and are about the same as concrete and clay tile, but they are very noisy. The residents can hear raindrops hitting the roof or birds walking there, which can be annoying, especially during the nighttime. Metal roofs are losing their popularity and giving way to cheaper and more modern types of roofing materials.

Cost to construct or replace a roof

To estimate the cost of a roof replacement, we have analyzed the research from Homeadvisor, Roofingcalc, Remodel Calculator, and Fixr. The final price depends on multiple factors. These include the size and shape of the roof, the height of the house, the material, the brand, additional technologies and products, and more. The location of the house also plays a role, with Florida being the most expensive state to replace a roof. Of the total price, around 60% is the cost of labor, and the remaining 40% is the cost of the materials.

Also, the total price may include replacing gutters and roof flashing, which will make the whole project more expensive. However, it is usually cheaper to do these together rather than replace the roof and the gutters separately.

The overall prices to replace or construct a roof are presented in the graph below. The most expensive is a tile roof, with a national average price of $23,609, followed by a slate roof with an average price of $19,301. A wood shake roof will cost $17,155 on average to replace, followed by a metal roof which will cost $12,268 on average. A roof with asphalt shingles will set you back an average of $7,344, and the cheapest roof to replace or construct is one with composite material, with an average price tag of $5,500.

Cost ranges for roof construction / replacement

How Much Does it Cost to Repair a Roof?

How long and how well your roof will serve you depends on the roofing material. For example, asphalt shingles will last around 20 years on average, a wood shake roof will last for about 30 years, while clay tile or metal roofs can last up to 100 years. You may need to repair the roof sooner due to weather damage or due to broken, worn out, or missing parts.

While collecting data about roof repair costs, it was hard to find specific information on prices because they all depend on a particular project. As such, the following prices are just averages and will vary based on specific construction requirements. The most expensive roof to repair is a slate roof, with an average of $1,398, followed by a metal roof with a $1,335 average price tag. If you have a clay tile roof, it will cost you on average $1,250 to repair. An asphalt shingle or wood shake roof will cost you around $750 to repair, while flat, foam, or single-ply roof repair costs an average of just $400.

Cost ranges for roof repair

Home warranty roof coverage

Getting a roof warranty is not a common option offered by home warranty service providers. We researched 67 companies and found that less than half of them offer roof coverage. Upon analyzing each roof warranty in further detail, we found that there was no standard roof warranty. Each company had its own list of covered and non-covered items related to roof repairs.

Are You A First-Time Buyer? Check Out This Article!

Roof coverage offered by home warranty companies

Only 6% of the companies included a roof warranty in their plans. In 40% of the companies, it was offered as an optional add-on item priced a la carte. The prices for a roof warranty range from $45 to $180 a year. For example, 2-10 Home Buyers Warranty offers roof coverage up to $1000 for $100 a year.

Some home warranty companies, such as Select Home Warranty, offer free roof leak coverage as a signup bonus to new customers.

Almost 54% of the analyzed companies did not offer any standard roof warranty. In many leading home warranty companies, such as American Home Shield, roof leaks were not covered, and First American Home Warranty roof coverage was not available either.

 

Roof warranty limitations

A home warranty roof coverage may look appealing to the homeowners, due to the low deductibles. However, a roof warranty comes with many limitations. It is important to be familiar with them when buying a roof coverage home warranty. In the table below, we have gathered information on covered and non-covered items provided by the home warranty companies.

For example, 84% of the companies that we have analyzed mention in their terms that they do not cover any additional objects located on the roof, such as drains, chimneys, vents, etc. Only 58% of the companies that do offer a roof warranty will provide coverage for the occupied living area in the house and the garage roof. Typically, no balcony roofs, condominium or townhouse roofs, decks, or patio rooms are covered.

Covered

  • Material
  • Location
  • Area (square feet)
  • Breakdown Types
  • Breakdown reason

Not covered

  • Material
  • Other stuff
  • Breakdown Types
  • Location
  • Breakdown reason
  • Composition roofs
  • Shingle roofs
  • Tar-and-gravel roofs
  • Tile roofs
  • Shake roofs
  • Rolled roofs
  • Slate roofs
  • Over the occupied living area
  • Garage roof
  • 5
  • 20
  • Leaks only
  • Normal wear and deterioration
  • Rain and/or normal wear and deterioration
  • Camwood shake roofs
  • Clay tile roofs
  • Foam roofs
  • Masonite shingle roofs
  • Metal roofs
  • Rolled roofs
  • Rubber cap sheet
  • Shingle roofs
  • Tar-and-gravel roofs
  • Tile roofs
  • Wood and underlayment
  • Antennae
  • Attic vents
  • Chimneys
  • Counter flashing
  • Downspouts
  • Drains
  • Fiberglass
  • Flashing
  • Glass
  • Gutters
  • Heating or cooling equipment
  • Roof jacks
  • Routine periodic maintenance
  • Satellite components
  • Scuppers
  • Secondary damage
  • Skylights
  • Solar equipment
  • Vents
  • Cracked and/or missing material
  • Partial or complete roof replacement
  • Penetrations
  • Structural leaks
  • Balconies roofs
  • Condominium or townhouse roofs
  • Decks roofs
  • Garage roofs
  • Patios roofs
  • Porches roofs
  • Roof leaks outside the confines of the main foundation
  • Acts of God
  • Damage caused by persons walking or standing on the roof
  • Improper construction or repair
  • Pre-existing leaks
  • Preventative Maintenance
  • Roof-mounted installations
  • Snow cover or ice damming
  • Water damage

Final words about home warranty roof coverage

As appealing as a roof warranty may look, you must read all the terms and conditions carefully before adding it to your home warranty plan. The companies that provide home warranty roof coverage are usually very specific about the materials that they cover, the area of coverage, the type for breakdown, and the reason for repair.

Usually, a roof warranty covers leaks due to rain and/or normal wear and tear only. No cracked or missing material, structural leaks, penetration, or roof replacements are covered. The reasons for repair do not include inclement weather damage, improper construction for the new roof home warranty, pre-existing leaks, or any preventive maintenance.

We hope our analysis will help you make the right decision regarding your home warranty roof coverage.

Looking for roof coverage in Columbus, OH? Or Dayton, OH? Check out our reviews of the best home warranties in your hometown.

Home Warranty for Roofs FAQs

Below are just some of the frequently asked questions we receive about home warranties for roofs.

Q.

Do home warranties cover roofs?

A.
Many home warranties do cover “limited roof leaks.” Generally, this is optional coverage for the repair of leaks above the main living area of a home. It is NOT meant to cover a full roof re-shingling or replacement of underlayment, etc.
Q.

Does Choice Home Warranty cover roofs?

A.
Choice does cover limited roof leaks as an optional add-on. This means you would pay a premium for the standard coverage for a Basic Plan or Total Plan, then add on roof leak coverage at an additional cost. 

Here is the coverage as described in their service agreement: “Repair of shake, shingle, and composition roof leaks over the occupied living area.” They do not repair tar, gravel, or metal roofs, among other exclusions.
Q.

Which home warranty offers the best coverage for roofs?

A.
When it comes to roof coverage Select Home Warranty stands above the rest. They offer limited roof leak coverage not as an option, but as part of coverage in every level of plan they offer.

Limited Roof Leak
Standard
Optional Add-On
Choice Home Warranty
 
Yes
American Home Shield
 
Yes
Select Home Warranty
Yes
 
Liberty Home Guard
 
Yes
Cinch Home Services
 
Yes
Q.

How long does home warranty roof coverage last?

A.
Your home warranty roof cover will last as long as your home warranty plan. For instance, if you renew your plan annually, the roof coverage lasts for the entire year.

It’s only in situations where roof coverage is offered free or is or as a discount like with Liberty Home Guard and Select Home Warranty where this doesn’t apply.
Q.

When can you buy a home warranty for roof coverage?

A.
Most home warranty providers offer roof coverage as an optional add-on that you can pay for monthly. Since it’s charged separately, you can add it at any time, even after buying your plan.

Q.

How do I request service on my roof with a home warranty?

A.
Filing a claim for your roof with your home warranty provider is just the same as filing a claim for your home appliances and systems.

First, you need to determine whether the damaged part is covered. For instance, Choice Home Warranty does not provide cover for gutters.

Establish the root cause of damage. Is it normal wear and tear? Great, you can proceed to the next stage. If not, you have to visit your service contract to see conditions under which covered items will or won’t be repaired.

File your claim. You can do this online; if your provider has an online portal or by calling the customer service line. This is where 24/7 customer service comes in handy.

You should get a response within 48 hours, and the home warranty service provider will probably send a technician to assess the problem and extent to which your roof is damaged.

You can expect a service fee to be charged to your billing account at this point.
Q.

What is covered in a home warranty roof coverage?

A.
A home warranty roof coverage covers the repair costs of damaged roofs resulting from normal wear and tear.

If the damage was due to improper installation, rain, or poor maintenance and handling, then it’s likely that you won’t get cover.

You also need to confirm from your service contract which roof types and accessories are not covered in your plan.
Q.

Do homeowners insurance cover roof leaks?

A.
A homeowner’s insurance policy covers roof leaks, provided the damage is caused by normal wear and tear.

However, if the damage is caused by natural calamities such as storms or even fire, your homeowner’s insurance will probably not cover such.
Q.

Does a home warranty cover roof leaks?

A.
Yes, roof leaks are covered under a home warranty, and depending on the provider, you can free coverage or as an optional add-on.

There are various exclusions depending on the roof type and accessories, and homeowners should check to confirm from their service contracts before buying the plan.

And just like the major appliances and systems covered by home warranties, roof leak repair is limited and conditional.
Q.

What does a home warranty cover?

A.
What should you expect from a typical home warranty? They are meant to cover common home appliances and/or systems against breakdown due to everyday wear and tear. 

1. Most Common Coverage


Appliances
  • Refrigerator
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher
  • Clothes Washer
  • Clothes Dryer
  • Built-in microwave

Systems
  • HVAC (heating and air conditioning) 
  • Plumbing system
  • Electrical system
  • Water heater

2. What some cover


Some home warranties will also include coverage for things like ceiling and exhaust fans, doorbells, and garage door openers.
In addition to optional coverage for roofs, many providers offer optional coverage for items like pools and spas, well and septic pumps, and additional refrigerators or freezers. 

3. What few cover


Some companies offer unique coverage that others don’t. Select is a prime example, offering roof coverage in all their plans, rather than just as an add-on. 
Q.

Is a home warranty for roofs worth it?

A.
A home warranty that covers roofs can be worth it. Depending on dollar limits on coverage, a $500 - $600 per year policy could potentially cover a roof leak. 

The value of a home warranty is more in the potential to save you on multiple fronts. So, if a refrigerator needs to be replaced along with roof repairs, that would definitely make a home warranty worthwhile. Or if HVAC repairs are needed along with roof repairs, that could also make a home warranty plan well worth it.