Customer Funded Warranty Programs for Contractors

Help your contracting business stop sending warranty dollars to third-party providers. WarrantyRE builds customer funded warranty programs that let contractors retain underwriting profits, reduce callback risk, and improve the ownership experience. Backed by more than 30 years in reinsurance, the program is structured, administered, and supported by a team that understands contractor operations.

Contractor reviewing a customer funded warranty program

Our Customer Funded Warranty Program Services

Flexible reinsurance solutions built for contractors who want to own, fund, and profit from their warranty programs.

Own Warranty Company

Set up a contractor-owned warranty reinsurance company that keeps underwriting profits in your business instead of sending them to outside warranty providers.

Claims Administration

WarrantyRE fully administers claims adjudication and warranty operations, helping contractors control the customer experience while reducing internal administrative burden.

Program Compliance

Receive support for legal forms, filings, renewals, tax returns, and ongoing compliance so your warranty structure stays organized and properly maintained.

HVAC Reinsurance

Create a customer funded labor warranty program for furnace, AC, heat pump, and mini split installations while retaining unused funds and underwriting gains.

Plumbing Reinsurance

Build plumbing labor warranty coverage into job pricing and protect your company from costly callbacks through a contractor-owned reinsurance structure.

Roofing Reinsurance

Support roofing and exterior warranty obligations with a reinsurance program designed to retain profits, manage claims, and strengthen long-term business value.

Contractor Owned Growth

Turn Warranty Costs Into Profit

Customer funded warranty programs help contractors build warranty fees into their pricing, reinsure labor obligations through their own company, and keep unused funds instead of losing them to third parties. WarrantyRE handles formation, compliance, claims administration, bookkeeping, and training, giving owners a practical way to improve margins, protect against warranty risk, and create recurring financial value from everyday installs and service work.

Warranty planning session for a contractor business
Proven Results

Success Stories

See how contractor and dealer clients use reinsurance to retain profits and improve warranty performance.

"Without question, starting our own Reinsurance Company is one of the best decisions I ever made in the used car business."

Tracy Myers

"Tim is a good Christian man who is going to be honest with you, tell you if the program is going to work for you, and how best it will work for you. They have so many options there is something for everybody."

Michael Darrow
The WarrantyRE Difference

Why Choose WarrantyRE?

Contractors choose WarrantyRE for experienced guidance, full administration, and a model built around long-term profitability.

Since 1994

More than 30 years of reinsurance experience supporting business owners with proven program structures.

Full Administration

We manage claims, bookkeeping, filings, renewals, and reporting so your team stays focused on operations.

Contractor Focus

Programs are tailored for HVAC, plumbing, electrical, roofing, and other contractor business models.

Profit Retention

Your company keeps underwriting profits and unused funds rather than paying them to outside providers.

Meet The WarrantyRE Team

Experienced leaders supporting contractor warranty growth.

Tim Byrd, Founder

Tim Byrd

Founder

Tim Byrd founded WarrantyRE in 1994 in Southeast Virginia with a vision to help business owners build more efficient and profitable warranty programs. Over the decades, he has guided the company from its roots in automotive reinsurance into expanded solutions for home service industries, including HVAC. His experience centers on helping owners replace third-party warranty arrangements with contractor-owned structures that retain underwriting profits and improve long-term financial performance. Tim's leadership has shaped WarrantyRE's reputation for practical guidance, compliance-minded administration, and relationship-driven service. His work continues to focus on helping HVAC contractors create stronger businesses through smarter warranty strategy, better customer experience, and sustainable recurring revenue opportunities.

Taylor Byrd, President

Taylor Byrd

President

As President of WarrantyRE, Taylor Byrd helps lead the company's continued growth in contractor and dealer reinsurance solutions. Taylor supports clients through program development, operational alignment, and long-term strategy designed to help owners keep more of the profits generated by their warranty offerings. With WarrantyRE's decades-long foundation behind her, she plays a key role in maintaining a high standard of service while expanding the company's reach into industries like HVAC. Her leadership supports a client experience centered on clarity, responsiveness, and measurable business value. Taylor works to ensure contractors receive the structure, support, and administrative resources needed to launch and manage reinsurance programs with confidence and consistency.

Parker Byrd, Vice President

Parker Byrd

Vice President

Parker Byrd joined WarrantyRE in 2018 after serving six years in the United States Army as a Crew-Chief on CH-47 helicopters. As Vice President, he brings discipline, operational focus, and a service-first mindset to the company's work with contractors and dealers. Parker supports clients as they establish new reinsurance companies and navigate the practical steps involved in building profitable warranty programs. His background reflects a strong commitment to structure, accountability, and helping businesses operate more effectively. For HVAC contractors, that means working with a team leader who understands the importance of dependable systems, clear processes, and long-term planning. Parker's role helps ensure clients receive steady guidance as they transition away from third-party warranty providers toward ownership and profit retention.

Heather Spruill, Office Manager and Controller

Heather Spruill

Office Manager / Controller

Heather Spruill joined WarrantyRE in 2013 after earning her MBA and has become a key part of the company’s day-to-day operations and financial oversight. As Office Manager and Controller, she helps ensure clients receive responsive support and organized administration throughout the life of their warranty programs. Her role is especially valuable for contractors who need dependable coordination around reporting, documentation, and internal processes. Heather is known for her commitment to clients and her ability to keep complex workflows moving smoothly, which supports the high-touch service model WarrantyRE is known for. Her blend of financial knowledge, operational discipline, and customer care helps roofing contractors feel supported as they transition to a contractor-owned workmanship warranty structure.

Kristi Cashman VP of Business Development headshot

Kristi Cashman

VP of Business Development

Kristi Cashman brings strategic management and marketing expertise to WarrantyRE's client growth efforts. With a passion for helping individuals and businesses reach their highest potential, she works closely with clients who want to improve efficiency, productivity, and profitability through reinsurance. As VP of Business Development, Kristi helps communicate the value of contractor-owned warranty programs in a way that is practical, clear, and growth-focused. Her background supports businesses that need both strategic insight and actionable guidance as they evaluate alternatives to third-party warranty providers. Kristi's ability to connect business goals with operational solutions makes her a valuable resource for contractors looking to build stronger margins and long-term customer loyalty.

Brenda West headshot

Brenda West

Account Manager

Brenda West brings more than 20 years of insurance industry experience to her role as Account Manager at WarrantyRE. Her background also includes financial experience as an F&I Manager at a successful dealership, giving her a strong understanding of program performance, customer-facing products, and profitability. That combination helps her support clients with practical insight as they establish and manage their own warranty reinsurance structures. Brenda understands how important clarity, responsiveness, and follow-through are when businesses are making strategic financial decisions. Her experience helps clients feel supported throughout the process, from setup questions to ongoing account needs, making her a dependable point of contact for businesses seeking a more profitable warranty model.

Courtney Norville headshot

Courtney Norville

Business Development Associate

Courtney Norville joined WarrantyRE in 2023, bringing organizational strength and detail-oriented support developed through her background in property management. In her role as Business Development Associate, she assists clients as they form new companies and move through the early stages of implementation. Her ability to keep processes organized and communication clear is especially valuable for contractors navigating the setup of a new warranty reinsurance structure. Courtney helps ensure clients have the support they need during a critical phase of program development, contributing to a smoother onboarding experience. Her practical mindset and commitment to service make her an important part of the team that helps businesses launch with confidence.

Ryleigh headshot

Ryleigh

Administrative Assistant

Ryleigh joined WarrantyRE in 2020 and quickly became a valued part of the team through her strong desire to help others and support daily operations. As Administrative Assistant, she contributes to the organized, responsive experience clients rely on when working through program setup and ongoing administration. Her role helps keep communication moving, details managed, and internal processes supported so the broader team can serve clients efficiently. Ryleigh's dependable approach and positive attitude strengthen the client experience behind the scenes, especially for businesses that need timely answers and coordinated support. She represents the kind of attentive service that helps WarrantyRE maintain long-term relationships with the contractors and dealers it serves.

Frequently Asked Questions

What is a customer funded warranty program for contractors?

A customer funded warranty program is a structure where warranty fees are built into your job or installation pricing and backed through your own reinsurance company. Instead of paying a third-party warranty provider to keep those profits, your contracting business retains underwriting gains, while WarrantyRE supports setup, administration, and claims handling.

Is this a warranty sold directly to homeowners?

Which types of contractors can use this program?

How does a contractor make money from a warranty reinsurance program?

What does WarrantyRE handle for the contractor?

How long does it take to set up a contractor-owned warranty company?

Do I need to manage claims and compliance on my own?

Why choose this instead of a third-party warranty provider?

Still Have Questions About Reinsurance?

Talk with our team about your contractor warranty program options.

Trusted Experience

Awards and Recognition

Since 1994 trust badge

Since 1994

Decades of reinsurance program experience.

400 plus clients served badge

400+ Clients Served

Broad track record across the U.S.

Industry association sponsor badge

Industry Association Sponsor

Active supporter of industry groups.

Build a More Profitable Warranty Program

Tell us about your contracting business and current warranty model. Our team will review your goals and explain how a customer funded program can be structured for long-term profitability and support.

Contact Us Today

For immediate assistance, feel free to give us a direct call at (804) 824-9533.