If you are choosing to invest in a metal roof when you build your home or when you replace your existing roof, one of the critical factors that you have to consider is the warranty that comes with it.
Metal roofing has long been known for its durability and longevity, and it’s there to withstand those harsh weather conditions that protect the rest of your house. But even with the best materials and installation types, it can face some unforeseen issues. Understanding the insurance and outs of metal roof warranties can help you as a homeowner to protect your investment and avoid unexpected expenses.
In this article, we’re going to talk you through a detailed overview of what you can expect from your metal roofing warranty, the types of warranty that’s available, what they cover, the limitations, and some tips for getting the most out of yours.
Types of Metal Roof Warranties
A metal roof warranty varies depending on the manufacturer, the contractor and the specific materials that are used. Metal roof warranties can fall into two of the main categories which we’ve outlined for you.
Manufacturer’s Warranty
A manufacturer’s metal roof warranty is designed to cover the materials used in the roofing system itself. This ensures that the panels, coatings or other components are free from manufacturing defects. Often this type of warranty is divided into two subcategories, a paint and finish warranty and a material warranty.
- The paint or finish warranty will focus on the coating applied to the metal panels themselves. It’s a protective layer that enhances the durability of the roof and the way that it looks, giving it some aesthetic appeal. Paint warranties will usually cover peeling or blistering of the paint and excessive discoloration or fading beyond acceptable limits. It can also cover chalking, which refers to the white residue forming on the surface of the panels over time. You’ll find that this warranty typically lasts between 20 and 40 years, depending on the quality of the coating and the environmental conditions.
- The material warranty will cover the structural integrity of the metal panels themselves. It protects against cracking, rusting or premature failure of the material. These can extend up to 50 years or more, which make them a long term safeguard for your roofing investment.
Workmanship Warranty
A workmanship warranty is provided by the contractor or even the roofing company that is responsible for installation. The guarantee is that the installation process was performed correctly and meets industry standards. Workmanship warranty typically covers issues caused by poor installations, such as loose or improperly fastened panels, flashing or incorrect ceiling leaks, and structural problems that result from unsupportive roofing materials. Most of the time these warranties have a shorter duration only usually ranging up to 10 years, but they are critical for ensuring the quality of the installation as even the best materials can fail
What Do Metal Roof Warranties Cover?
What your metal roof warranty will cover will depend on the provider, and there are a few common areas that most metal roof warranties address. We’ve listed for you some of the most common coverage options for metal roof warranties below.
- Material defects. Manufacturers will typically guarantee that their roofing materials meet the minimum quality standards and are free for money defects. This includes ensuring that the panels themselves do not crack, fail or corrode.
- Paint warranties protect against problems with the coating applied to the metal roof, and paint and finish issues are usually covered by metal roof warranties. These issues can affect the appearance of the roof and its ability to resist weather.
- If your contractor offers a workmanship warranty, this should cover any issues that stem from improper installation. For example, if there is a leak caused by improperly installed flashing, the contractor could be responsible for the repair.
- Some warranties for your metal roof will include coverage for damage caused by weather events. Weather related protection covers high winds or hail most of the time, but it’s often conditional coverage and may require that the roof be installed according to guidelines, so make sure that you read the fine print.
What Metal Roof Warranties Typically Don’t Cover
While we discuss what a warranty can offer, it’s important to understand that they also come with limitations and exclusions. By understanding what isn’t covered, you’ll be able to have realistic expectations about your metal roof warranty and avoid potential pitfalls. Some of the things that metal roof warranties don’t cover include:
- Improper maintenance. Most warranties will require regular maintenance to keep valid. If you’re not cleaning debris, inspecting the roof for damage, or addressing any smaller issues, this can void your warranty.
- External factor damage. Some warranties usually exclude damage caused by external events, unless it’s mentioned earlier that there is a specific clause in your contract. Natural disasters like hurricanes or earthquakes, improper repairs or modifications by unqualified individuals, and damage from foot traffic can all be things that are not covered.
- General aging or wear and tear. Usually. This is not typically covered with your metal roofing warranty. Minor scratches or dents that don’t affect the performance of the roof are considered to be normal and are not eligible for warranty claims.
- Non compliant installation. If your roof has been installed without following the correct guidelines or by an unlicensed contractor, the warranty that you get given may not apply, which is why it’s so important to ensure that your contractor is qualified and certified. You want to maintain your warranty for as long as possible.
Key Terms to Look for in a Metal Roof Warranty
When you’re reading over your metal roof warranty, it’s essential that you read the fine print. Some of the key terms to pay attention to include:
- The duration of the warranty. These can vary widely, and paint warranties can last up to 40 years, but material warranties extend longer than that. A workmanship warranty is shorter, so you need to check the length of coverage in your contract.
- Transferability. Are you planning to sell the house? A transferable warranty can be a valuable selling point because then you can give the new owner the warranty coverage and take yours with you. This potentially increases the home’s resale value, but some warranties may require a transfer fee or limit the number of times they can be transferred.
- Prorated VS non prorated coverage. Prorated coverage reduces the coverage over time, which means that you’ll receive less compensation as the roof ages. Non prorated coverage provides full coverage for the entire warranty term, and this is a term you should be looking out for.
- Any exclusions or limitations. Check through the warranty very carefully for specific exclusions so that any damage from natural disasters or improper maintenance can be covered. If you understand these limitations up front, this will prevent frustration later and it can even mean that you go with another contractor.
- The claim process. If you’re filing a warranty claim, you may require specific documentation, such as maintenance records and photos, as well as proof of installation by a certified contractor. If you familiarize yourself with the claim process early, you’ll ensure that you act quickly if any issues arise.
How to Maximize Your Warranty Coverage
To get the most out of your metal roof warranty, there are some best practices that you can follow. Choosing a reputable contractor is important because the quality of your roof installation is just as important as the materials that are used. Overall, working with experienced and licensed contractors that follow the manufacturer’s installation guidelines is vital so that you can prevent issues that might avoid your warranty.
Some warranties require registration within a specific time frame after installation, so you should be sure to complete this step so that your coverage is activated. Registering your warranty is a good step to take so that you understand that your warranty is live. Another way to maximize your warranty coverage is to perform regular maintenance on your roof. Routine maintenance is critical for preserving its condition and keeping your warranty valid. It should include removing any debris such as leaves or branches, cleaning the roof with manufacturer approved methods, and inspecting for damage such as loose panels or rust.
It’s important that you keep detailed records of all inspections, maintenance, and repairs performed on your roof, too. Documenting everything can be invaluable if you need to file a warranty claim, because then you already have the paperwork and evidence needed. If you do notice any problems with your roof, you should report them immediately to the manufacturer or the contractor because delaying repairs can exacerbate an issue and may void your warranty.
Why Understanding Your Warranty Matters
A metal roof warranty is a significant investment, and understanding your warranty is going to help you to protect it for years. When you understand what’s covered, what’s excluded, and how to maintain your roof, you can avoid any unexpected expenses and ensure that your roof is performing as it should be.
Taking the time to understand your metal roof warranty can save you time, money, and a headache in the long run.