Does Home Warranty Cover the Roof?

Does the home warranty cover the roof? Well, first of all, you need to learn about the terms of the home warranty plans. 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.


The home warranty is usually 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 that your home’s roof 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.

Read also: Raising the Roof on a House

Does Home Warranty Cover Roof Leaks?

Homeowners need to identify and repair or replace the leak on the roof quickly. It will help protect the home from moisture that could lead to further damage. Some home warranty companies offer coverage for roof leaks, and some require you to purchase an add-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 roofing contractor to check the roof 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 mentioned earlier, the home warranty coverage might cover the leak patch. However, if your roof needs a full roof replacement, home warranties will not cover the whole cost. Some homeowners might also get confused, considering this point is covered in some home systems. For example, the central or furnace air unit is covered by a home warranty, while roofs are another category.

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

Even if you purchase the add-on of home warranties, nothing will cover the structural issues. Many roof problems are commonly grouped in this area. So, you had better consider this 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 leak repair problem to the company, they might be covering the cost of patching repairs. The company would not cover more than that.

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

Does Home Warranty Cover Roof Repair

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

This plan is worth looking at, especially if the house is more than 5 years old. On the other hand, this plan is a great option when 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 limitations 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 home warranty roof coverage issues due to normal wear and tear. Make sure you read the contract to know what to expect.

In conclusion, while home warranty plans can offer valuable protections, it’s essential to understand their limits and exclusions, particularly concerning roof repairs and replacements.

Homeowners should carefully review the details of their home warranty contracts and consider their specific needs, such as roof leak repair or the potential for a full roof replacement, before committing to a plan.

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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