If you are in need of residential roof repair, figuring out who is going to pay for it can get a little complicated.
Some repairs made by a residential roofing service might be covered by your homeowners insurance, while others might fall under warranty while some costs will be your responsibility, too.
There are different types of warranties that cover different things, making it even more complicated.
Know Who Is Responsible For What
Where warranties are concerned, understanding who is responsible for what can be confusing. Materials warranties offered by the roofing materials manufacturers cover defects in the shingles or other roofing materials used by a residential roof company. Workmanship warranties offered by the roofing service itself covers mistakes made while doing the work.
Problems With Roof Installation?
While those ideas probably seem simple enough, residential roof repair services advise that they can overlap and get complex for a few reasons.
The process of determining the cause of the damage is part of why roofing warranty issues can get very confusing.
The manufacturer warranty will not apply if the problem is due to a failure caused by poor workmanship by the roof company or the roofer not following specific installation instructions.
It will apply if there is an actual defect found with the correctly-installed materials.
Problems With Roofing Material?
Conversely, if the roof repair company did a great job but it is the materials that failed, that has to be proven as well.
Add to this the fact that materials warranties can be considered void if certain maintenance is not performed or owner negligence is an issue and the question of who pays gets even more confusing.
Which came first, the chicken or the egg?
Add In The Insurance Company
On top of all of this, your insurance company is only going to pay for what is outlined in your homeowners insurance policy.
According to residential roofing services, that may exclude things that could be called neglect, something that is due to poor workmanship or some kind of materials failure.
So what are you supposed to do to figure it all out? Start out by finding a reputable local residential roofing company that is trusted in your neighborhood to do your work and help you interpret it all.
Adding All This Up
A residential roof company that offers its own warranty and is trained and qualified to install a wide selection of products can also help you make heads or tails out of the issue of figuring out what happened, why, and who is responsible for it.
They can also help you interpret what is covered by your insurance policy and communicate with them for you.