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A roof replacement will usually include removal of your old roof, shingle replacement, and a new roof underlayment, but it may only include adding new shingles if you’re layering new shingles over the old shingles. If you have signs of roof leaks or your roofer finds water damage to the roof decking underneath your old roof, it can also include replacement of the OSB or plywood decking that lays over your rafters and supports the roofing material above.

A metal roof can last anywhere from 15 to over 100 years, with an average of 50 years, depending on the material, installation, and environment. The specific metal is a key factor: aluminum roofs may last 20 to 45 years, while steel can last 30 to 60 years. Tin can last for up to 75 years, and more durable options like zinc, stainless steel, and copper can last from 80 to over 100 years. Factors that can shorten a metal roof's lifespan include living in a coastal region with corrosive salt air, improper installation (such as laying over old shingles), and failing to inspect and replace fasteners, which may wear out before the panels.

Stripping existing shingles and installing a new shingle roof takes a professional one to two days, and sometimes up to three days for larger roofs. Additional safety measures necessary for steep roofs can extend the timeframe even further, as do added measures, like replacing roof decking or reinforcing your roof structure to support heavier materials like slate or clay.

Yes, in many cases, homeowners insurance does cover roof damage caused by snow. For instance, if your roof collapses during a snowstorm or an ice dam results in a ceiling leak, your policy should cover repair costs. However, for a claim to be approved, the roof must have been well-maintained and in good condition before the snow-related damage occurred. The payout, whether full or partial, can also vary depending on the age of your roof and its overall condition prior to the snowfall. It is always best to review your specific homeowners insurance policy to understand the details of your coverage and any potential exclusions.