Does Homeowners Insurance Cover Defective Shingles? 
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 -LRB- as opposed to purchasing a home with a new roof -RRB- . 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 . 