Roof Warranties Explained: What’s Actually Covered

Have you ever wondered whether that “lifetime” roof warranty actually means anything? Are you comparing roofing companies and struggling to figure out whose warranty actually protects you? You're not alone. 

Many Central PA homeowners are surprised to discover their roofing warranty doesn’t cover as much as they thought, especially when it comes to labor costs or long-term protection.

In this guide, we’ll explain what roofing warranties actually cover, what red flags to avoid, and how to find a roof replacement warranty that saves you money (and stress) over time.

What Is a Roof Warranty and Why Does It Matter?

A roof warranty is your financial safety net in case of material defects or installation errors. But here’s the truth: not all roof warranties are created equal.

Some only cover materials, not labor. Others decrease in value over time (called prorated coverage). Many so-called "lifetime warranties" offer minimal real protection after just a few years.

If you're planning a roof replacement, choosing the right warranty can save you thousands in unexpected repair costs.

3 Main Types of Roofing Warranties

When comparing roofing companies, it’s crucial to understand the types of warranties they offer:

1. Manufacturer Material Warranty

This covers defective roofing materials but usually excludes labor. Coverage often becomes prorated after a few years, meaning you’ll receive less money the older your roof gets.

2. Workmanship Warranty

Offered by your roofing contractor, this protects you from errors during installation. These warranties vary widely: some are just 1 year long, while others last 10+ years.

3. Full System Warranty

This is the most comprehensive option, covering both materials and labor. It usually requires installation by a certified roofing contractor to remain valid.

What Does “Full Start” Protection Really Mean?

If you’ve seen the term "full start protection" in roofing contracts, here’s what it means:

✅ 100% coverage for both materials and labor for a set time (usually 10–15 years)
❌ No proration: you don’t lose value over time during this period

Without full start protection, a lifetime roof warranty might only cover 20–40% of replacement costs after just 5–10 years.

What Is “No Shingle Usage Subtraction”?

This term might sound technical, but it’s crucial to understand. Most manufacturers reduce coverage based on the age of the shingles. That means if your roof fails in year 10, you might only get reimbursed for 40% of the cost.

A non-prorated warranty with no shingle usage subtraction ensures you get full replacement value, regardless of how long the shingles have been on your home (within the protection period).

This clause can save you thousands during the most vulnerable years of your roof's lifespan.

What Roof Warranties Do (and Don’t) Cover

Let’s compare what typical warranties include vs. what Equity Roofing’s warranty offers:

Many homeowners don’t realize their “warranty” excludes labor until it’s too late. Always ask these key questions before signing any roofing contract.

5 Questions to Ask Before Choosing Your Roof Warranty

1. Is this warranty prorated? If so, when does proration begin?
   
2. Does the warranty cover both labor and materials?
   
3. Is full start protection included?
   
4. Will I still be covered if I sell my home?
   
5. Is the contractor certified to install this type of roofing system?

Why Choose Equity Roofing's Warranty?

At Equity Roofing, we go beyond industry standards. Here’s what sets us apart:

• 15-year full start coverage (non-prorated)

• 100% labor and materials covered

• No shingle usage subtraction

• Transferable warranty to future homebuyers

• Backed by major manufacturers thanks to our certified installation status

We’re upfront about what’s included (and what’s not) so there are no costly surprises later.

Should You Trust a “Lifetime Warranty”?

Here’s the truth: most “lifetime warranties” don’t actually last a lifetime. They usually include clauses that dramatically reduce coverage after a few years or require near-perfect maintenance records to remain valid.

If a company uses the term “lifetime” without showing you what that really means, that’s a red flag. Always ask for the actual documentation, not just marketing language.

Choosing the Right Warranty for Your Roof

Let’s face it: replacing a roof is a major investment. The last thing you want is to pay thousands for repairs you thought were covered.

Now that you know:

• How non-prorated roofing warranties work

• Why labor coverage is essential

• The value of no shingle usage subtraction

If you're planning a roof replacement and want true peace of mind, your next step is to talk to a contractor who stands by their roofs. 

Equity Roofing offers a ten-year workmanship warranty on all projects. We’ve worked with thousands of homeowners across Central PA and Northern Indiana. Our team has earned the trust of our clients through our commitment to exceptional service and transparent pricing. And of course, the best roofs! 

If you're ready to get a quote or have questions, request a free consultation with Equity Roofing. We’re here to help.