Warranties and insurance, while both offering protection, function differently, especially when considering roof damages.
Warranties are guarantees made by manufacturers or installers about the quality and reliability of a product, in this case, a roof. If your roof has damages due to mistakes made during manufacturing or installation, the warranty may cover the repair or replacement costs so long as the claim is filed within the specified time frame. However, warranties have conditions that might not cover all types of damages.
An insurance policy protects homeowners from unforeseen damage to their roofs, like damage caused by storms, fires, or other external factors. Instead of focusing on product quality, it’s about mitigating risks from external events. You pay premiums to an insurance company, and in return, they promise to cover certain damages, should they occur, based on the terms of the policy.
In a nutshell, warranties address product defects, while insurance handles unpredictable external damages.