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Roof shingle warranties. According to market analysis, manufacturers representing 80% of the asphalt shingle market provide 15 years of non-prorated warranty coverage for wind damage up to 130 mph. (Photo: Arenacreative/iStockphoto.com)

Roof claims due to wind are being paid at the expense of property insurers and substantial policyholder deductibles, although roofing manufacturer warranty coverage may exist. Despite the generally clear distinction between warranty coverage and insurance coverage, shingle manufacturers have been upgrading their warranties over the past 10 years to extend well beyond the traditional manufacturer’s defect warranty coverage that generally provides limited value.

By determining which homes (and businesses) are eligible for shingle warranty coverage, insurers may reduce roof claim indemnity and improve policyholder service outcomes.

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