Roofing Companies and Quotes, Warranties, and Insurance: What You Need to Know
Dec 5, 2024 / Hardacker Roofing / Comments Off on Roofing Companies and Quotes, Warranties, and Insurance: What You Need to Know
Let’s start with roofing quotes. Every roofing company generally follows the same process when assessing and quoting a roof replacement or repair.
So, if you receive a quote that appears to include “more” items or services, it may be padded to make it look like you’re getting more value for your money.
If you receive three quotes and two are priced similarly while one is significantly lower, proceed with caution.
After extensive research, I’ve found that these cheaper quotes often come from companies using second-hand materials. They may claim there’s a warranty, but that’s rarely the case.
What many homeowners don’t realize is that roofing companies all pay roughly the same prices for quality materials — unless they’re buying discounted or leftover inventory.
Another common tactic you’ll see in marketing is an offer like “$1,000 off a new roof.”
What often happens is the company inflates the price by $1,000 and then applies the “discount” to bring the price right back to where they originally intended.
We don’t believe in playing games like that. We believe in offering a fair, transparent price from the beginning.
Understanding Roofing Warranties
If someone offers you a 50-year warranty, be sure to read the fine print.
These are typically manufacturer warranties, not labor warranties, and they are heavily prorated as the roof ages.
Manufacturers are not in the business of replacing roofs for free.
In most cases, homeowners can expect:
- A 10-year workmanship warranty for a re-roof
- A 20-year manufacturer’s warranty for shingles
- A 10-year manufacturer’s warranty for tile
Roofing and Insurance – What’s Really Covered?
When it comes to tile roofs, insurance companies generally only cover replacements under two conditions:
- Damage from a microburst
- Damage from hail
Insurance will not cover a tile re-roof due to normal wear and tear, such as deteriorated underlayment.
If your tile roof is between 18 and 25 years old, and you file a claim without recent storm damage, it could work against you.
The insurer may cancel your policy if they discover that a full roof replacement is needed — and securing new insurance could be a challenge.
Shingle roofs offer a better chance of coverage, particularly after monsoons, high winds, or hailstorms, which can cause shingles to blow off or crack.
However, insurance companies often deny claims when shingles have become brittle or lost too many granules over time due to age.
If your insurance company provides a payout and you don’t use the funds to replace the roof, they may revoke your coverage.
Insurers often send out inspectors to confirm the work was completed.
If it hasn’t been, your home could be left uncovered until the roof is brought up to standard.
Important Note About Working With Insurance
While we do not work directly with insurance companies, we are here to fully support you — the homeowner.
We provide all necessary documentation, photos, and professional estimates to help you submit your claim and navigate the process with your provider.
We believe in educating and empowering homeowners to handle the insurance process with confidence.
One final but important note: most insurance policies require that any roof repair or replacement be done by a licensed contractor.
This protects you.
If you choose to work with an unlicensed roofer and something goes wrong, you’ll have no legal recourse — and your insurance may not cover any related damages.
Final Thoughts
We hope this helped answer your questions about roofing quotes, warranties, and what to expect from your insurance company.
Whether you’re comparing bids or navigating a potential claim, knowing what to look for — and what to avoid — can save you money and headaches down the road.
If you have additional questions or need guidance on your roofing project, we’re here to help.
Looking for a Trusted Roof Replacement Company in Phoenix?
Trust Hardacker Roofing for transparent, fair pricing and expert roofing services. Our family-owned team specializes in reliable roof replacements, repairs, and working with insurance claims, ensuring you get the best value and quality for your home.
Call (602) 358-8458 or request a free roof inspection online today!
