Decoding Shingle Warranties

byChad Baker/ Roof (March 30, 2024)

Navigating shingle warranties can often feel like deciphering an ancient script for many homeowners.

These warranties are not just about the length of coverage; they encompass several terms, conditions, and exclusions that can significantly impact your home’s protection and your financial investment.

This comprehensive guide aims to explain the intricate details of shingle warranties and equip you with the knowledge to navigate these warranties confidently.

Shingle Warranty Basics

At first glance, these warranties may seem straightforward, promising protection against defects and ensuring the longevity of your roof. Dig a bit deeper and reveal crucial details that may impact your coverage.

Types of Shingle Warranties:

Manufacturer’s Warranties: From the shingle manufacturer and cover defects in the roofing materials themselves, should they fail prematurely due to manufacturing errors, covering replacement materials, and possibly labor, to rectify the issue.
Workmanship Warranties: Offered by roofing contractors, these warranties cover installation errors and are as pivotal as the materials in setting the performance and longevity of your roof.

Duration and Coverage:
The length of a shingle warranty can vary widely, typically ranging from 20 years to a “lifetime”. Several factors influence this range, including the quality of the shingles and the reputation of the product line. It’s essential to note that “lifetime” doesn’t necessarily mean infinite but often refers to the expected lifespan of the roof under normal conditions.

Prorating and Non-Prorating: Some warranties are prorated, meaning the coverage lessens over time, in contrast to non-prorated warranties that offer full coverage for a specified period before adjustments.

Transferability:
Another critical aspect to consider is whether the warranty is transferable to future homeowners, a rather valuable selling point.

Understanding these basic elements provides a solid foundation for homeowners to help them better assess the protection each warranty offers.

Understanding What’s Covered

Diving deeper into these warranties uncovers the specifics of what is actually protected. This knowledge is crucial, as it outlines the extent of coverage homeowners can expect, helping to navigate any future claims and understand the real value of the warranty in place. Here’s a closer look at the coverage elements commonly found in shingle warranties and the limitations that often accompany them.

Material Defects Coverage: The primary purpose of a manufacturer’s warranty is to cover defects in the shingles that result from a faulty manufacturing process. This includes issues that cause the shingles to break down prematurely under normal weather conditions and usage, such as:

Cracking or splitting
Excessive granule loss not related to foot traffic or mechanical damage
Curling or blistering

It’s important to understand that this coverage usually pertains to defects affecting the shingles’ functionality, not purely aesthetic concerns, unless those issues overlap.

Wind Damage Coverage: Many shingle warranties include specific provisions for wind damage, specifying up to what wind speeds the shingles are expected to withstand without sustaining damage. However, there are typically conditions attached, such as the shingles being properly installed according to the manufacturer’s specifications. Damage from winds exceeding the stated coverage limit or from flying debris might not be covered.

Algae Resistance Coverage: In certain climates, algae growth on shingles can be a significant problem, leading to unsightly streaks that can affect the home’s appearance and potentially the shingle’s lifespan. Some shingle warranties offer coverage against algae growth for a specified period. This coverage is often prorated, decreasing over time.

Limitations and Exclusions: Understanding what’s not covered is as crucial as knowing what is. Common exclusions in shingle warranties include:

Damage from improper installation: This underscores the importance of hiring reputable, certified contractors that separately warranty their workmanship.
Normal wear and tea, the gradual deterioration that is expected and is not covered.
Acts of God: This includes severe weather events like hurricanes, tornadoes, and hail, which are typically covered under home insurance rather than the shingle warranty.
Modifications or repairs made to the roof by non-certified individuals (including the homeowner) after the initial installation.

Understanding Exclusions: Carefully reviewing the warranty’s exclusions section is vital. It helps set realistic expectations and informs homeowners of situations that could void the warranty, such as installing a roof-mounted equipment without professional guidance.

By grasping the coverage scope, including what is and isn’t protected, homeowners can make more informed decisions about their roofing materials and maintenance. This knowledge also prepares you for efficiently handling potential claims, ensuring you are not caught off guard by the fine print.

The Importance of Proper Installation

Proper installation is not just a prerequisite for a roof’s performance and longevity; it’s also essential for ensuring that the warranty remains valid. This section delves into the significance of proper installation and offers guidance for homeowners to ensure their roofing project meets the necessary standards.

Impact of Improper Installation on Warranty: One of the most common reasons shingle warranties are voided is due to improper installation. Manufacturers specify strict installation guidelines that, if not followed, can lead to premature roof failures and void the warranty. This includes incorrect shingle alignment, improper nailing techniques, and failure to use the required underlayment materials. Such errors not only expose your home to the elements but also leave you without recourse under the warranty.

Certified Contractors and Warranty Validity:

Choosing the Right Installer: Many shingle manufacturers offer enhanced warranty terms when you use certified contractors for the installation. These contractors have been trained on the specific products and adhere to the manufacturer’s installation protocols, ensuring your roof is correctly installed and fully covered.
Benefits of Certification: Certified contractors often provide additional workmanship warranties, complementing the manufacturer’s coverage. This double layer of protection offers peace of mind, knowing that both material defects and installation errors are covered.

Source: IKO

Tips for Ensuring Proper Installation:

Research and Select Certified Contractors: Before hiring a roofing contractor, verify their certifications with shingle manufacturers. This ensures they are up to date with the latest installation standards and practices.
Understand Installation Requirements: Familiarize yourself with the basic requirements for installing the type of shingles you’ve chosen. This knowledge allows you to ask informed questions and gauge the contractor’s expertise.
Supervision and Inspection: While it’s not necessary to micromanage the installation crew, periodic supervision and asking for updates can help ensure the process aligns with expectations. Additionally, consider hiring a third-party home inspector to review the completed work before the final payment is made, ensuring everything is up to standards.
Document Everything: From the contract and warranty information to the installation process, keep detailed records. Documentation is crucial if you need to file a warranty claim in the future.

Proper installation is the cornerstone of a durable, reliable roofing system and the key to maintaining your shingle warranty’s integrity. By prioritizing certified contractors and staying informed about the installation process, homeowners can safeguard their investment, ensuring their roof is built to last and fully protected under the warranty terms. This proactive approach not only enhances the roof’s performance but also secures the comprehensive coverage promised by the warranty.

Navigating the Claims Process

Filing a claim under a shingle warranty can seem like a daunting task, but understanding the process and being prepared can make it significantly smoother and more efficient.

Step 1: Review Your Warranty

Understand Your Coverage: Before initiating a claim, review your warranty documents to understand what is covered and the specific terms. Pay close attention to coverage limits, exclusions, and the procedure for filing a claim.
Prepare Documentation: Gather all necessary documents, including your warranty, proof of purchase, and any maintenance records. This documentation will be crucial in supporting your claim.

Step 2: Document the Issue

Take Photos: Document the damage or defect with clear, detailed photos. These should show the overall condition of the roof and close-up shots of the specific issues.
Detailed Notes: Write a short, concise, but detailed description of the problem, including when you first noticed it and how it has progressed. This information can be vital in explaining the issue to the manufacturer or contractor.

Step 3: Contact Your Contractor or Manufacturer

Initial Contact: Reach out to the contractor who installed your roof or the manufacturer (depending on who issued the warranty) to report the issue and express your intent to file a claim. They can provide specific instructions on their claims process.
Professional Inspection: Some manufacturers or contractors may require a professional inspection before proceeding with a claim. They may send a representative or approve a third-party inspector to assess the damage.

Source: IKO

Step 4: File the Claim

Complete Required Forms: Fill out any necessary claim forms provided by the manufacturer or contractor. Be thorough and provide all requested information to avoid delays.
Submit Documentation: Along with the claim forms, submit your photos, detailed notes, and any other requested documentation.

Step 5: Follow Up and Cooperate

Stay in Communication: After submitting your claim, keep in touch with the manufacturer or contractor for updates. Responsiveness to any additional information or documentation requests can expedite the process.
Be Patient: The claims process can take time, especially during busy seasons or for complex cases. Patience and polite follow-ups can help maintain a positive relationship with the service provider.

Step 6: Review the Resolution

Understand the Offer: Once your claim is processed, review the resolution offered by the manufacturer or contractor carefully. Ensure it aligns with your warranty’s terms and addresses the issue satisfactorily.
Ask Questions: If you have concerns or questions about the resolution, don’t hesitate to ask for clarification or discuss further options.

Navigating the claims process successfully hinges on preparation, understanding your warranty, and clear communication. By taking a proactive and informed approach, homeowners can navigate this journey with confidence, ensuring their roofing issues are addressed under the warranty’s protection, ultimately safeguarding their home and investment.

Extending Your Warranty and Why It Might Be Worth It

The option to extend coverage beyond the standard terms can be a golden opportunity for homeowners to further protect their investment.

Benefits of Extended Warranties:

Increased Coverage Duration: Lengthen the period of your roof’s protection, sometimes with offers of lifetime coverage for as long as you own your home.
Comprehensive Protection: Many extended warranties not only cover material defects but also include workmanship errors.
Transferability: Extended warranties are often transferable to subsequent homeowners.

When Extended Coverage Shines:

Harsh Climates: In areas prone to severe weather, extended warranties can really save you after some unfortunate high winds or heavy snowfalls.
Long-Term Homeownership: If you plan to stay in your home for many years, extending your warranty ensures that your roof is protected well into the future, saving you significant costs and hassle.
Preserving Home Value: Transferability of a roof’s extended warranty is a serious selling point.

Considerations for Extending Your Warranty:

Cost vs. Benefit: Consider the age and condition of your roof and the likelihood of needing significant work done during the extended warranty period.
Eligibility Requirements: Ensure you meet any extended warranty requirements, such as use of certified contractors or specific materials for installation.
Manufacturer Reputation: Consider the integrity, track record, and future viability of the shingle manufacturer offering the extended warranty.

Source: Duane Mainardi Builders

Deciding whether to extend your shingle warranty is a strategic choice that hinges on your individual circumstances, the specific terms of the offer, and your long-term plans for your home. For many homeowners, the additional cost of an extended warranty is a worthwhile investment for the enhanced protection and peace of mind it provides.

Red Flags

Not all warranties are created equal and as you research your options, being vigilant about certain red flags can save you from future headaches.

Unclear Language and Undefined Terms:

Vague Coverage Details: Be wary of warranties with vaguely defined coverage terms or conditions. Specifics are key. A reputable warranty will clearly outline what is covered, under what circumstances, and for how long.
Ambiguous Claims Process: Avoid warranties that do not clearly, upfront, and in clear language explain how to file a claim, the documentation required, and the timeline for resolution.

Unrealistic Promises:

Lifetime Coverage With Catches: While “lifetime” coverage sounds great, be careful to understand the specifics. Some warranties use the term “lifetime” loosely, applying numerous conditions that can significantly limit the coverage period.
Overly Generous Coverage: As with all things, be skeptical of warranties offering coverage that seems too good to be true, especially if they cover scenarios traditionally handled by home insurance, like severe storm damage.
Overlapping with Home Insurance: No viable and honest policy would claim to cover what home insurance does, like severe storm damage or fire.

Non-transferable Warranties:

Limited Value Upon Sale: Transferability can enhance the marketability and value of your property. Question the value of a policy that doesn’t provide you this negotiating power when you go to sell.

Restrictive Requirements and Exclusions:

Narrow Installation Requirements: Some warranties limit your claims to unreasonably narrow conditions that may be impossible to document and prove when needed, such as specific materials concealed within the roof or specific installation expertise.
Broad Exclusions: If a warranty attempts to exclude a large range of common issues or attribute them to “normal wear and tear,” your policy becomes effectively useless.

Costly Extension Fees or Pro-Rata Limitations:

Expensive Upfront Costs: Carefully evaluate if high upfront fees for extended coverage is justifiable based on the likelihood of needing repairs.
Diminishing Coverage Over Time: Warranties that significantly reduce coverage through pro-rata terms can end up offering minimal protection when you might need it most.

Consider consulting with a roofing professional or home inspector who can offer impartial advice based on their experience with different shingle manufacturers and warranty claims.

The Bottom Line

The true value of a shingle warranty is a practical consideration of your options, terms and conditions, a careful tracking of your coverage, and ensuring you use it when you need it.

Durham	Raleigh	Chapel Hill	Cary	Morrisville
Apex	Hillsborough	Wake Forest	Holly Springs	Garner
Fuquay-Varina	Clayton	Carrboro	Knightdale	Mebane