Compare the Best Home Warranty Companies for Roof Coverage
Top 5 Best Home Warranty Companies for Roof Coverage
These are our top four picks for home warranty companies with roof coverage:
- Liberty Home Guard: Most customer-friendly
- American Home Shield: Most experienced
- Elite Home Warranty: Most unique add-ons
- America’s First Choice Home Warranty: Most coverage options
- Select Home Warranty: Budget-friendly
All cost data in this article is based on quotes for a single-family home smaller than 5,000 square feet in Atlanta, Ga.
Do Home Warranties Cover Roofs?
General roof coverage is not always automatically included with a home warranty plan — most home warranty companies offer roof repair coverage as an add-on. If you want a home warranty that covers roof repairs, make sure to review your plan coverage carefully. Some providers may include roof protection in standard coverage, but others will not.
That said, a home warranty coverage will typically only cover roof leaks caused by regular wear and tear. Your homeowners insurance policy, not your home warranty, covers damage to your roof due to natural disasters, fires and other perils.
Home Warranty Annual Cost Calculator
To help you determine coverage costs, we developed a calculator that analyzes the anticipated yearly expenses associated with owning a home warranty. To determine your projected annual cost, input your monthly premium, service call fee and estimated number of claims. For the most accurate pricing, we recommend getting quotes from our top home warranty providers directly, as prices vary by plan, location and home size.
Source: Home Depot
The calculators used on this website are being provided for educational purposes only. Data will not be collected or stored. The results are estimates based on the information you provide and may not reflect the actual pricing of your quote.
Our Reviews of Home Warranties for Roofs
Liberty Home Guard
Most Customer-Friendly
American Home Shield
Most Experienced
Elite Home Warranty
Most unique add-ons
AFC Home Warranty
Most Coverage Options
Select Home Warranty
Most Budget-Friendly
Best Home Warranty Companies by State
Search for the best home warranty company in your state below.
Warranty Costs of Roof Repairs
Your home warranty will cover roof repairs up to a specified limit. For example, American Home Shield’s roof-leak coverage is limited to $1,500 per year, while Select Home Warranty’s roof-leak coverage limit is $400. If a repair cost exceeds your policy limits, you would pay the remaining repair costs.
If roof repair costs remain within your coverage limit, all you have to pay is the service fee outlined in your contract. Service fees typically cost between $75 and $125 per claim.
Tips for Maintaining Your Roof
Routine maintenance can help extend the lifespan of your roof and save you money on repairs in the long run. Some suggestions for roof maintenance include:
Clean off debris from your roof and gutters regularly
Trim back large branches over and around your roof
Check for roof damage after storms
Inspect shingles annually and treat algae, mold or moss growth as needed (moss and mold are more severe, damaging the structure of your roof over time)
Our Conclusion: Which Home Warranty Is Best for Roofs?
If you’re looking for general roof protection, the best home warranty may be one that offers standard limited roof-leak coverage, such as Select Home Warranty. If roofing repairs are just one area of protection you want, a company with more comprehensive options, such as American Home Shield, could be a better fit. We also recommend Liberty Home Guard for homeowners who want the flexibility to choose from a long list of add-on options in addition to roof-leak coverage.
We suggest requesting quotes from at least three home warranty companies before making your decision. We also recommend reviewing sample contracts carefully to avoid any surprise costs or coverage exclusions later.
Frequently Asked Questions About Home Warranty Roof Coverage
Roof leaks can cause extensive damage to your home. In addition to immediate effects, such as water damage to items stored in your attic, roof leaks can lead to mold and mildew in your home when water is trapped within ceilings and walls. Mold can cause a host of health issues, including respiratory problems and chronic headaches, and mold removal can be a costly endeavor. In more extreme cases, leaks can compromise the structural integrity of your roof.
Most home warranty companies have a 30-day waiting period before purchased plans are effective. However, some companies may offer warranties that go into effect immediately, and others could have longer waiting periods. Always read the fine print of your contract to know how quickly you can submit a claim with your home warranty plan.
Yes, you can typically add roof-leak protection to an existing home warranty. If your provider offers roof-leak coverage as an add-on, you can request to add it. Contact your home warranty provider for specific details.
Methodology: Our System for Ranking the Best Home Warranty Companies
Bradford Cuthrell is a meticulous researcher and writer specializing in pet and home finance topics. He’s surveyed thousands of pet owners and homeowners, listened to hundreds of customer service calls from various home service companies and spoken with dozens of industry experts to understand homeowners’ common pain points and needs. When he’s not helping his readers make informed decisions, he’s reading a book a week, planning a camping trip or working on his novel draft.
Tori Addison is an editor with over five years of experience in the digital marketing industry. Her includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.
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