As a homeowner, you are well aware of all the difficulties involved with keeping your household running and functional.
For those things that homeowner’s insurance just doesn’t cover, a home warranty, such as American Home Shield, can be the solution. But what about roof replacement?
So, does American Home Shield cover roof replacement? Depending on the plan you select, you can choose leaky roof coverage as an add-on. It is also included automatically with the ShieldPlatinum plan. However, none of the plans will cover a full roof replacement. The coverage included in American Home Shield is simply for replacing minor leaks.
The rest of this article will go into detail about American Home Shield’s home warranties, their roof replacement coverage, how you can get a free quote for coverage, and more.
Does American Home Shield cover roof replacement?
Of all the parts of your home, the roof is perhaps the most essential. When it springs a leak, the entire rest of your household is at risk until you can get it repaired.
Luckily, American Home Shield does include roof repair coverage under some of their warranty plans.
Depending on which plan you select when you sign up for a home warranty, roof replacement will either be included with your plan, or you can select it as an add-on.
However, it is important to keep in mind that many exclusions do apply when it comes to roof repair coverage.
Which plans can I get roof repair coverage under?
There are many different plans you can choose from when you sign up for an American Home Shield warranty.
Of these plans, the ShieldPlatinum plan is the only one that automatically includes roof leak repair coverage.
You can also add roof leak repair coverage as an add-on to the ShieldSilver and ShieldGold plans. However, this coverage will not automatically be applied on either of these plans, so if you want it, you should remember to speak to your American Home Shield agent about it when you are setting up your home warranty.
What exclusions apply to my roof replacement coverage?
Unfortunately, there are several exclusions when it comes to roof leak repair coverage. Some of these exclusions include:
- Full roof replacements. If your entire roof needs to be fully replaced, this will not be included as part of your American Home Shield coverage, even if you have roof leak repair coverage.
- Condo or townhouse roofs. If you live in one of these building types, you are out of luck.
- Damage to your roof that has occurred due to hail, ice, wind, or mud. Basically, anything weather-related is not covered.
- Metal or green roofs.
- Clogged gutters.
- Anything mounted on your roof, such as solar water heaters or solar panels.
- Anything that penetrates into your roof, such as skylights, chimneys, exhaust lines, or vents.
What is covered under my roof replacement warranty?
While the exclusions are disappointing, you should not be scared off of adding roof leak repair coverage to your American Home Shield plan!
Lots is still covered, and it can certainly be worth it to be sure that your roof can be repaired when necessary. Covered items, per the AHS website, include:
- Repair of vinyl membrane
- Seam repair on flat or rolled roofs
- Repair or replacement of tiles
- Patch or seal flashing
- Replacement of shingles or shakes
- Repair of nail pops
- Repair of underlayment
So, as you can see, a lot is still covered when it comes to your roof leak repair coverage. If you are worried about your roof springing a leak, it can be worth it to have this coverage to fill in the gap on anything that is not covered by your home insurance.
How much does an American Home Shield plan cost?
There is no single price for an American Home Shield plan since the cost will be dependent on the plan and add-ons that you choose.
A roof replacement add-on will definitely cause the price to rise a little bit, but it can be worth it for the peace of mind you will gain.
To receive a totally FREE quote on an American Home Shield plan, visit AHS.com and enter your zip code.
What else does an American Home Shield plan cover?
American Home Shield plans will cover much more than just your roof leak repair needs. Depending on your plan, it can include coverage for things such as kitchen and laundry appliances, electronics and electrical systems, heating and cooling units, plumbing systems, and pool and hot tub components.
Basically, a home warranty can help cover the cost of either repairing or replacing covered items that break over your plan year.
American Home Shield even covers items which break down due to normal wear and tear, which is unique for a home warranty plan.
Will I have to pay anything out of pocket for repairs or replacements?
There may be some out of pocket costs for repairs or replacements under your American Home Shield plan. This depends on a number of factors, including which plan you have and your coverage limits. You may end up having some service costs that are not covered by your home warranty due to exclusions or other fees.
If you are interested in what these fees might look like, American Home Shield has provided a sample contract for easy viewing on their website.
Simply visit AHS.com and access it from their Frequently Asked Questions page.
So, does American Home Shield cover roof replacement? The answer is yes and no. Yes, roof leak repair coverage can be added to a number of American Home Shield warranty plans. However, you should keep in mind that there are exclusions to this coverage.
Your plan will not cover a full roof replacement, for example.
To get a better idea of just what is covered and excluded from your potential American Home Shield plan, visit AHS.com and get a free quote for your own plan with all your add-ons.
You can also view a sample contract to really get into the nuts and bolts of what is and is not covered by their plans.
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