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Chimney Caps questions, answered by experts

If you choose to get a personal loan to finance a roof, you will want to aim for a “good” or “excellent” credit score for the best rates. That means a credit score of 690 or more. If you aren’t sure of your credit score, you can request one free credit report per year from each of the three major credit bureaus: Equifax, Experian, and TransUnion. Many banks also provide free credit reports monthly.

You can technically install a metal roof over asphalt shingles, but it isn’t a good idea. This is because you’re essentially creating a moisture barrier under the metal, which can easily—and often does—lead to significant mold damage. Removing an asphalt roof isn’t terribly expensive, and some roofing companies might cut you a serious labor and disposal discount if you add it to a new install.

The type of roof and roofing materials that are best for your mobile home depends primarily on its shape and slope. Rubber materials, such as EPDM and TPO, are best for flat, low-sloped, or bowed mobile home roofs. Asphalt shingles or metal roofing are best for mobile homes with sloped rooflines.

It’s possible to install your chimney cap in some areas, but it’s usually better to hire a professional. Before you attempt a DIY chimney cap installation, check to see if your local building department requires a permit. If it does, you should hire a professional to pull the permit and complete the work for you. Even if you don’t need a permit, getting up on your roof is dangerous, especially if you have an aggressive pitch or slippery roof material, like metal. Hiring a chimney professional guarantees the job is done correctly and keeps you safe from injury.

Asphalt shingles are the least-expensive roofing material. They cost around $10,000 for a 1,600-square-foot home compared to $16,500 for metal roofing or $25,000 for slate shingles.

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