Navigating Roof Coating Warranty Complexities
Understanding the Fine Print of Roof Coating Product Warranties
Explore the intricacies of roof coating warranties and learn how to make informed decisions that protect your projects and clients.
Warranty Awareness
Understanding Roof Coating Warranties
Professional specifiers and roof coating contractors need to understand the limitations of product warranties, since they often contain exclusion clauses to reduce the manufacturer’s liability.
Although insurance-backed warranties can be purchased, their terms will mirror those of the product warranty and in any case, only provide cover in the event of installer insolvency.
We recommend that specifiers and clients obtain a workmanship warranty from their chosen contractor for a reasonable amount of time and have this backed with an insurance policy.
That’s because in 99%+ of cases, any failure of a coating will not be down to a fault with the coating itself, rather it will be due to installation issues, environmental conditions, substrate, surface preparation and other factors.
Typical Warranty Exclusions
What are common exclusions in product warranties?
Product warranties often exclude installation errors, substrate failures and lack of maintenance. It’s crucial to read the fine print to understand these exclusions fully.
Do insurance-backed warranties cover all issues?
No, insurance-backed warranties typically cover contractor insolvency but do not extend to product defects or misuse. They mirror the exclusions found in standard product warranties.
How can I ensure comprehensive coverage?
Consider combining a product warranty with a workmanship guarantee and maintenance agreement with your installer. This can help address issues not covered by the warranty alone.
Are there hidden costs in product warranties?
Yes, some warranties may require additional fees for inspections or maintenance to remain valid. Always check for any hidden costs associated with maintaining the warranty.
What should I look for in a warranty?
Look for clear terms regarding coverage duration, exclusions, and any obligations on your part, such as regular maintenance or inspections.
Can I negotiate warranty terms?
It is unlikely that a manufacturer will do anything that could increase their exposure to a claim. Consider an insurance product or maintenance agreement if additional cover is required.
How do warranty claims work?
Usually, your first point of contact will be with the coating manufacturer. Be prepared to supply photographs or video of the issue. The manufacturer will then advise on the next stages.
What is the role of a specifier in warranties?
Specifiers have a duty to protect their clients. Obtaining a workmanship warranty from the contractor and entering into a maintenance agreement is strongly recommended.
How do warranties affect project costs?
Product warranties are free of charge but offer limited protection. Insurance-backed options might provide extra reassurance, but claiming can be problematic.
Are Insurance-Backed Warranties Worth Buying?
Insurance-backed warranties can provide peace of mind against contractor insolvency, they come with significant costs that can impact the overall budget of a project.
These warranties often require a substantial premium, which may not provide additional protection beyond what a standard product warranty offers.
Specifiers and clients must weigh these costs against the perceived benefits, considering that the primary coverage is for contractor insolvency rather than product performance.
In many cases, the high cost of these warranties does not justify the limited scope of additional protection, especially when similar exclusions apply.
It’s essential to evaluate whether the investment in an insurance-backed warranty aligns with the project’s financial and risk management goals.
How To Mitigate Warranty Terms
A roof coating product warranty is not a guarantee on the longevity of your roof. It’s a guarantee that the coating applied will perform as expected for the duration of the warranty period.
If you want a roof guarantee, the only way to achieve this is to have a new roof. A coat of paint is never going to be a substitute for a new roof.
It is possible to mitigate unfavourable warranty terms by ensuring that roof defects are repaired to a suitable standard before coating works commence.
Manufacturers do conduct site audits, but these cannot be relied upon for warranty purposes because of their limited scope.
If you are concerned about quality of installation, you can protect yourself by employing a clerk of works to carry out daily inspections.