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Roof Warranty: Is It Included in a Home Warranty Coverage?

When you think about what is a home warranty and what it entails, the first thing that comes to mind is coverage for home systems and appliances. However, many home warranty companies have actually expanded their services to include swimming pool and spa coverage, pest control, lawn sprinklers, and even roof warranty.

A roof is one of the most important parts of the house. It’s one of the biggest parts of the house and very expensive 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.

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95.8

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97.5

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Best home warranty with roof coverage

Choose your State:
Raiting:97.50
  • Silver Combo Plan
    $457
  • Platinum Combo Plan
    $554
Roof leaks
Roof leaks
  • Сost
    +$70
  • Limit
    $500
Roof Coverage Details

Raiting:95.80
  • Silver Systems Plan
    $580
  • Platinum Combo Plan
    $650
Roof leaks
Roof leaks
  • Сost
    +$0
  • Limit
    $400
Roof Coverage Details

Raiting:95.60
  • Gold Systems Plan
    $554
  • Platinum Combo Plan
    $654
Roof leaks
Roof leaks
  • Сost
    +$60
  • Limit
    $500
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
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.

Covered by
Amazon Home Warranty

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

Not Covered by
Amazon Home Warranty

  • Leaks related to patios
  • Porches
  • Decks
  • Metal roofs
  • Foam roofs
  • Shingles
  • Camwood shakes
  • Cracked and/or missing material
  • Tiles
  • Tar and gravel
  • Flat or built-up roofs
  • Structural leaks
  • Asphalt
  • Gutters
  • Downspouts
  • Skylights
  • Flashing
  • Patio covers
  • Solar components
  • Attic vents
  • Roof jacks
  • Satellite components
  • Antennae
  • Chimney components
  • Partial roof replacement
  • Or preventative maintenance

Roof Types

The construction industry offers a variety of roofs to the 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 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.

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 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 night time. 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 the 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 it costs 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 singly-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.

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 the 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.

FAQs for Roof Warranties

Do home warranties cover roofs?

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.

Does Choice Home Warranty cover roofs?

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.

Which home warranty offers the best coverage for roofs? 

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

What does a home warranty cover?

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. 

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. 

Is a home warranty for roofs worth it?

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. 

Best Companies for Roof Warranties

 

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have “Optional Coverage” for add on items most homeowners don’t usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).

Pros

  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 

Cons

  • Only 15 Home Appliances & Systems Covered 
 

Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 – $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan

Cons

  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors
 

Total Home Protect Review (Best For Larger Systems)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

total home protection home warranty

Why Do We Like Total Home Protect?

Total Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Total Home Protect does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • You Can Choose Your Own Technicians
  • Roof Coverage

Cons

  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

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.