Does Home Warranty Cover the Roof?

Does the home warranty cover the roof? Well, first of all, you need to learn about the term of the home warranty. It cannot be denied that this is an attractive deal found by the homeowners.

Their main selling point is to protect the homeowner from unexpected expenses when a major system in the house gets down. But is it worth it? What should you expect? It will help if you read this article.


Commonly, the home warranty is included when a person buys a new home or transfers it to another homeowner. But does a home warranty cover the roof? You can agree, so the roof of your home will be included in the policy in the first place.

This article will show you things related to the home warranty, so you know what to expect and the actions needed to take beforehand.

Does Home Warranty Cover Roof Leaks?

Homeowners need to identify and repair the leak on the roof quickly. It will help a lot to protect the home from moisture that could lead to further damage. Some companies offer coverage for roof leaks, and some of them require you to purchase the adds on to get this service. This is why the coverage is not listed on the standard packages.


On the other hand, the coverage for roof leaks may also be limited. Once you notify the company’s issue, the company will assign a contractor to check the damage in the first place. However, the repair will only cover the patching and not the root. Some homeowners may feel relieved about this thing, but it is not the answer to all questions.

Does Home Warranty Cover Roof Replacement?

As we have mentioned earlier, the home warranty coverage might cover the patch of the leak. However, if your roof needs a total replacement, home warranties will not cover the whole cost. Some homeowners might get confused as well, considering this point is covered in some home systems. For example, the central or furnace air unit is covered in the policy, while roofs are another category. 

After you issued the problem to the company, they may want to know the roof’s age along with its condition. This point is going to be used for determining the coverage extent. Normally, the pre-existing condition is not recognized under all types of policies.

Even if you purchase the adds-on of home warranties, nothing will cover the structural issues. Many roof problems are commonly grouped in this area. So, you better consider this thing in the first place before purchasing any home warranty.

Does Home Warranty Cover Roof Repair?

As we have mentioned earlier, the coverage provided by the home warranty is minimal. If you have issued the roof problem to the company, they might be covering the cost of patching repairs. The company would not cover more than that.

Every contract is different from one another, and it depends on the company’s specifications. Some commonly covered items may include laundry and kitchen appliances, electrical and plumbing issues, heating and cooling systems, and some other aspects. You can get this coverage by purchasing the standard plan. However, you need to spend more money to get coverage.

Does Home Warranty Cover Roof Repair

The annual premium price should be paid to get the coverage. If one day a system breaks down, you can call the company to make a claim. The company will later assign a contractor to take care of the issue while paying a deductible for every service.

This plan is worth taking a look at, especially if the house is more than 5 years old of age. On the other hand, this plan is a great option while you have no established connection with the local contractor.

Purchasing a home warranty only based on the roof leak coverage is not wise, considering the limitation and restrictions are very narrow. It is important to inspect a property before purchasing it. Keep in mind that home warranties may also not cover existing conditions. Make sure you read the contract to know what to expect.

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RoofLast is an experienced author and roofing expert. With years of practical experience in the field authored several informative articles on various aspects of roofing, including installation, maintenance, and repair