Living in Central Florida means living with hurricanes, and as local roofing professionals, we often hear from frustrated homeowners after major storms. One of our customers’ most common questions is why their roof warranty doesn’t cover hurricane damage. It’s a perfectly reasonable question, so today, we’re explaining exactly what your warranty does — and doesn’t — protect.
What Your Roof Warranty Covers
Your roof comes with two types of warranties: a manufacturer’s warranty and a workmanship warranty. The manufacturer’s warranty is a quality guarantee for your roofing materials. It provides coverage if your shingles fail under normal conditions due to manufacturing defects. Your workmanship warranty, provided by a contractor (like Taylor’s Roofing), covers problems related to the roof installation. Together, these warranties ensure you have quality materials installed on your home correctly.
Why Storm Damage Isn’t Included
Standard roof warranties exclude damage from severe weather events like hurricanes, tropical storms, and hail. Think of it this way: When you buy a new car, the manufacturer’s warranty covers defects in parts and workmanship. If your transmission fails due to a manufacturing problem, that’s covered. But if your car is damaged in a collision, you wouldn’t expect the manufacturer’s warranty to cover the repairs. That’s what your auto insurance is for. The same principle applies to your roof.
The Right Protection for Storm Damage
Your best protection against storm damage comes through your homeowner’s insurance policy. Here in Central Florida, understanding your hurricane coverage and deductibles is essential. Regular roof maintenance and inspections also play a crucial role. They ensure your roof is in the best condition to weather any storm and help document your roof’s pre-storm condition if you need to file an insurance claim.
Working Together to Protect Your Home
While warranties don’t cover storm damage, they still provide valuable protection for your investment. At Taylor’s Roofing, we believe in helping our neighbors in Lake Wales, Polk County, and beyond understand their options and make wise decisions about protecting their homes. Our experienced team can help you navigate warranty coverage and insurance claims after a storm.
Don’t wait until severe weather strikes to understand your roof’s protection. Contact us today to learn more and schedule an inspection.
