Does Homeowners Insurance Cover Defective Shingles?

1. 

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   Mark Bartlett CLCS

   Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers

   Homeowners insurance does not cover defective workmanship. Now in the case of your shingles if you had a wind storm for example and water leaked in your home the insurance company would pay for the damage to the dwelling. Upon discovery you have faulty shingles, you the homeowner, would be obligated to replace those shingles, not the insurance company. In pretty much every case I have seen if the shingles are not replaced you would be non renewed by the insurance compnay as the insurance company does not want to pay another claim due to faulty shingles.

   Answered on July 1, 2013

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2. 

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   Stu Cohen

   Founder, City Building Owners Insurance, Somers, NY

   Mark is correct in that your policy would not cover defective workmanship; that's an issue you would need to take up with the contractor, assuming that you hired the contractor to install the shingles (as opposed to purchasing a home with a new roof). If the issue is a defective product installed by a contractor, that would fall back on the contractor's insurance, which covers products and completed operations.

   Answered on October 27, 2015

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