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Technically speaking, yes, verbal agreements and “handshake deals” can be legally binding contracts that will hold up in court, but the suing party will need to be able to prove that the parties entered into the contract. Even though verbal and handshake deals can be binding, it’s risky to rely on these types of agreements for anything, including roofing projects. Always aim to get your contract in writing, and make sure it includes all terms and that you don’t agree to additional terms that don’t appear in the contract.

Your homeowners insurance premium may increase if you file a roof claim. Whether your rate goes up, and by how much, depends on several factors. These include your insurance company's policies, your personal claim history, the size of the current claim, and the type of damage. While a single claim after a long period without any may not trigger an increase, frequent claims are more likely to raise your premium. Additionally, insurers might increase rates at renewal due to external factors like changing weather patterns, which are beyond your control.

A chimney cap costs about $300 on average to install, with prices ranging from $75 to $1,000. The final cost depends on several factors, including the professional you hire, the accessibility of your chimney, the cap's material and size, whether any repairs are needed, and if it requires custom fabrication. Chimney caps are usually made from galvanized steel, stainless steel, or copper. Copper caps are the most expensive, followed by stainless steel and then galvanized steel. Excluding labor, average material costs are around $100 for galvanized steel, $250 for stainless steel, and $600 for copper. You may also face additional costs, such as hiring a chimney sweep to clean the chimney before the cap is installed.

Maybe you waited a little longer than you should have before dealing with the snow accumulation on your roof, and now you are wondering if there is risk of roof collapse. Here are some signs you should look out for: a sagging roof, cracking and cracking sounds, cracks in walls, and leaks in your attic and ceiling.

If you suspect potential roof collapse, do not delay. Take immediate action. Call a professional roofing company and get an inspection. You may want to move your belongings to a safe place and relocate your family until everything has been taken care of.