Well here's my take on things,, I tend to try and keep a open mind about things, but I do not state a rust waranty,, let's say you paint a rocker panel, and 3 yrs from now it rust from the inside out,, which is common on many vehicles,, when you painted it you didn't realize the inside was rusty.. you pushed on it, taped on it whatever,, well you painted over it as the outside looks good.. Ok now my question is how on earth can you give a full waranty on rust, you'd be doing repairs for this vehicle for a long time..
now i've done patch panels on old nasty plow trucks before,, well when the vehicle is out salting the parking lots and getting beat with salt, it's going to rust.. there's just to many different ways something can rust..
Now if i put a patch in and it were to rust right at the edge of where i patched in 6months, sure i'd fix it, but not the other cases.. that's why I just leave it open to judgement, and make it my decision if something were to come up, but if someone asks, I just say i don't warranty rust,, that way if something did come up, and I didn't see a reason for me to fix it for free the person can not get to pushy about the subject as there is no warranty, but if I think it's my fault, i'd fix it and then he'd be getting more than he thought he was going to get...
My new take on panels is,, if a bed side is rusting,, i write if for a whole bedside, that way i can get in there and really fix what's wrong, i don't write for many patch panels anymore.. unless the job calls for it and is worth putting the money into it.. such as a old muscle car or street rod, then the vehicle is worth putting the time into.. fixing a rocker on a 85 ford that's on it's way to the scrapper is not worth putting the time or money into... some people just don't understand the amount of time it takes to fix something, some people think fixing that rust hole is a 30 min job.. well that's just not the case.. but i'm done rambling, i've got parts to paint...