Roof repairs can be expensive, and unexpected issues from leaks can catch you off-guard. With roof coverage in your warranty, you can help avoid these repair costs and stress less about potential problems.
It's important to pick the right company and plan for your needs. Not all home warranty plans are the same, and some might not cover everything you need. Take the time to research and choose a reliable company that offers solid roof coverage. This way, you'll have peace of mind knowing your home is protected.
Our picks
| Plans with roof coverage | Roof add-on? | Service fee | Basic plan cost (monthly) | |
|---|---|---|---|---|
| American Home Shield | ShieldPlatinum | Yes | $100 or $125 | $79.99 or $89.99 (ShieldPlatinum) |
| Liberty Home Guard | Systems Guard, Total Home Guard | Yes | $50 to $125 | $54.99 (Systems Guard) |
| Select Home Warranty | Bronze Care, Gold Care, Platinum Care | No | $60 to $75 | $60.42 (Bronze/Gold Care) |
After researching over 26 home warranty companies, we found that many offer roof coverage. Out of the companies that offer comprehensive roof coverage, we were able to choose our top three, including one that offers roof coverage free with all of its packages.
Home warranty companies usually offer roof leak protection. If your roof leaks, the company will send a technician to repair it. This protection is generally provided as an add-on or part of an upgrade package, though some home warranties offer it with base packages.
Some of the types of leak repairs that may be covered include:
While less common, your home warranty company may offer additional roof coverage, such as gutter cleaning.
» MORE: What does a home warranty cover?
Generally, home warranties only cover roof leaks for single-family homes, not porches, sheds or decks. Your claim won’t cover a full roof replacement or repairs on certain types of roofs.
Certain circumstances can also get your coverage denied, like:
When you’re buying a roof home warranty, there are a few things to consider to ensure you're getting the best coverage for your needs.
First, compare multiple companies. Different providers offer varying levels of coverage, exclusions and service options. By researching and comparing a few companies, you can find the one that best fits your situation. For example, some warranties cover only specific types of roofs, like asphalt shingles, the most commonly used roofing material in the U.S., while others might offer more comprehensive coverage, including metal roofs or eco-friendly green roofs.
Next, find out how each company handles service. Some home warranty providers work with specific technicians in your area, which can be convenient if they have a good reputation for quality and reliability. However, other companies might let you use your preferred service person. This flexibility can be a significant advantage if you already trust a local roofer or contractor.
For instance, if you live in a region prone to severe weather, you might prefer a company that partners with local technicians who understand your area's specific challenges. Alternatively, if you have a long-standing relationship with a roofer who knows your roof's history, choosing a warranty plan that lets you use their services can provide added peace of mind.
Remember to read customer reviews and testimonials to get a sense of each company's reliability and customer service. A company with positive reviews, especially about how it handles claims and repairs, is likely to be a good choice.
Most home warranty companies only cover leak repair and won’t replace your roof.
If you buy a new home with a builders warranty, you may not need to purchase another warranty. If not, a home warranty with roof protection can help prevent unexpected repair costs.
Roofing repairs and replacements can cost anywhere from $5,841 to $12,835 as of publishing. Homes with large, higher-end roofs can cost more — potentially closer to $46,000.
No, generally, home warranty companies will not cover preexisting conditions when it comes to roof repairs.
A home warranty for roof coverage can be worth it. Roof leak repairs can be costly, and a home warranty can provide peace of mind by covering these unexpected expenses. However, it’s important to understand that even with roof coverage, your plan has restrictions on when it will pay for repairs; read over the fine print closely so you know what’s covered.
