The Variances in Roof System Warranties – Part 2
When it comes to warranties at American WeatherStar, our first goal is clarity. All too often in the commercial roofing industry we see ambiguous wording within warranties. We know most building owners will only go through a commercial roof purchase a few times in their professional lives. Most buyers only focus on the number of years the warranty offers. We know this aspect of the warranty is only a small aspect of what the warranty offers a facility owner. This article by Michael Shultz, Lead Estimator and Account Executive at Jurin Roofing Services, Inc., offers a great explanation of roof warranties:
A roof workmanship warranty will cover you against costs related to actual installation failures and errors which a labor-only warranty may not cover. Some system warranties do however cover workmanship. If your roofing system warranty does not include workmanship coverage you may be able to get this type of coverage directly from the installer.
What does a typical roof warranty cover?
Again this depends on the actual type of warranty you have received. You may be surprised by what you are or aren’t covered for. That’s why it’s so important to know what the typical roof warranty will cover before you purchase a new roof system. Make sure you always read the fine print and exclusions! Below are some typical things that are usually covered or that may require an extra fee. Also be aware that certain warranty coverage extras such as puncture coverage or high wind coverage require certain roof materials or installation methods which may impact the cost of the roof installation itself.
Roof Leak Repair
Most full system roof warranties will cover labor and material costs for roof leak repairs, as long as the circumstances of the cause of the leak fall under certain requirements. For example, a typical roof warranty will not cover the cost of leak repair if the issue was caused by fire, lightning, high winds, hail, earthquakes, negligent acts, misuse, vandalism or loss of integrity of the structure.
Damage caused by high winds is another issue that can fall outside of the typical roof warranty coverage. Check with your roofing contractor to find out what winds speeds you are covered for. For example, Carlisle SynTec’s Gold Seal warranty base coverage for wind is under 3 seconds of 55mph gusts. If your building is located in high wind or hurricane areas you may want to look into a wind gust upgrade. Keep in mind that this upgrade will increase the cost of your warranty and may also require additional enhancements to the roof system such as increased fastening patterns. Those enhancements will also increase the total cost of your new roof system.
Hail Damage Coverage
Another warranty add-on is hail coverage. Should your building be located in a hail-prone area you may want to consider a system design that will allow for this add-on to protect you from the cost of repairing a hail damaged roof. Of course, this may require enhancements that will increase the total cost of your new roof system.
Roof Puncture Coverage
If your roof system has high foot traffic you may want to consider adding accidental puncture coverage. There is an extra charge for puncture coverage and you also may need to have a certain roof membrane thickness for your system to qualify for this upgrade.
What doesn’t a typical roof warranty cover?
Almost as important as what is covered by your warranty is knowing what isn’t covered by your warranty. Here are some of the more common exclusions found in typical roof warranty language.
There are different schools of thought on what the definition of ponding water is but at the end of the day what counts is what your roofing manufacturer deems “ponding water.” Most manufacturers define this as water that remains on the roof for a specified amount of time after rain has stopped. Warranties that exclude ponding water also exclude any issues caused by ponding water such as roof leaks or damage to the area in question.
Most roof warranties do not cover any consequential or interior damages caused by roof leaks or defects such as carpets, walls, ceilings, equipment and merchandise, etc.
Acts of God
These are things such as high winds (sometimes extra wind coverage can be added), hail (same with hail, extra coverage can be added), tornadoes, floods, fires, etc. These items are typically not covered.
If you or your roofing contractor is planning to install a new roof system over an existing roof system the manufacturer may require an infrared scan prior and after the roof installation to ensure there is not moisture trapped in the existing system. Existing moisture that affects a new roof system is not typically covered.
Improper Roof Repairs
Contractors using improper repair materials or improper repair methods may void the manufacturer warranty. The manufacturer will also not cover the costs to have those improper repairs fixed by an authorized applicator. It is also worth noting that there may be additional costs for you to have the manufacturer come out to inspect the newly repaired area(s) in order to reinstate the warranty.
Unfortunately you will never find a roof warranty that will cover the replacement of your roof system. You might even get the material cost covered but never the labor to install a new roof.
What does NDL mean?
NDL stands for “No Dollar Limit” and means exactly what you are thinking. A “no dollar limit” warranty ensures that the manufacturer will have to cover any and all costs associated with repairing the roof leak.
What is an original cost warranty?
With an original cost warranty the manufacturer is only obligated to cover repair costs up to the total of the original roof purchase.
What does pro-rated mean?
A pro-rated warranty diminishes in value over the life of the roof system. Some roofing warranties will offer a fully pro-rated warranty while others offer NDL for a certain amount of time then switch to pro-rated. To better understand NDL vs. pro-rated here is an example:
You purchase a 20 year pro-rated roof warranty that offers NDL coverage for the first 10 years. After year 11 the amount of the cost of repairs covered begins to drop. By year 11 you may only be covered for 80% and by year 13 only 40%. This may come back to bite you in the end. Pro-rated warranties will cost a bit less but you can see how you may end of spending more later on. In this case it’s better to take a shorter term NDL warranty, such as a 15 year, instead of a 20 or 30 year pro-rated warranty.
It’s also important to remember with a pro-rated warranty that the cost of roof materials is more likely to increase than decrease. So not only are you now paying a portion of the repair costs but the cost of the materials are now higher than they were at time of installation.
What am I responsible for to maintain my roof warranty?
Regular Roof Inspections
Most roof warranties require regular roof inspections, or at least recommend them. As you may have figured out by now,lack of regular maintenance can lead to issues that will not be covered by your warranty due to neglect.
Make sure your roof has regular inspections to ensure you don’t miss a simple repair that could result in your warranty being voided later.
Reporting a Roof Leak Within a Certain Amount of Time
A typical roof warranty will require you report a roof leak within at least 30 days or other given time period. Should you wait too long to report the leak the repair may not be covered.
Can I transfer my roof warranty?
If you are selling your building or acquiring a building with a roof warranty still in effect most roofing manufacturers will allow, at a cost, a roof warranty transfer. This process usually includes some paperwork, a roof inspection by the manufacturer at a cost as well as repairs deemed necessary by the manufacturer to be addressed at the owner’s cost before they will authorize a warranty transfer to a new owner.
So what’s in your warranty?
As you can see there are many variables when it comes to what is covered under a typical roof warranty. Remember to ask questions, read the fine print and understand what you are buying and what your responsibilities are before you sign off on your next roofing project. It’s your right to understand what you are buying. Also remember that a roof warranty is only as good as the roof installation itself.
A roof warranty is only as good as the roof installation itself.
Along with doing your own research on roof warranties make sure you are hiring a professional roofing contractor authorized with the roofing manufacturer. As we covered in this article, a typical roof warranty will not protect you from a failed roof installation. Should you need help finding an authorized roofing contractor in your area your roofing manufacturer rep can assist you in your search.
Are you interested in a free roof inspection? Let us know and we will connect you with a local American WeatherStar Approved Contractor who will evaluate the current condition of your roof and advise you on your options for restoration and preventative maintenance.