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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.

The proper specifications for furring strips can vary, so you should always consult the roofing manufacturer's guidelines or your roofer. However, general recommendations are as follows:

• Thickness: Furring strips are typically 1 to 1-1/2 inches thick, meaning standard 1-by or 2-by lumber works well. In areas with extreme winds, a thinner strip may be preferred to limit how much air can get under the roof and cause uplift. A thicker strip can add slightly more insulation but will also increase installation costs.

• Spacing: The recommended spacing for furring strips is between 12 and 24 inches apart on center. Proper spacing is crucial for ensuring good airflow, adequate drainage, noise reduction, and better energy efficiency. The ideal spacing can depend on the roof's pitch and the specific type of metal roofing being installed.

Yes, replacing a roof is always a good investment if the current one is in poor condition. Not only will it preserve the structural integrity of the home, but it can also add value at the time of sale. The average return on investment for a new roof is between 48% and 61%. Prospective buyers are also more likely to purchase a home with a recently replaced roof since that means they won’t need to worry about that expense in the near future.

Generally, hailstones that are one inch in diameter or larger can cause significant damage to a roof. However, smaller hail can also cause damage, particularly when accompanied by strong winds, if it strikes an aging or poorly maintained roof, or if hailstorms are frequent in your area. Hail that is ¼ inch (pea-sized) or smaller poses a minimal risk of immediate, permanent damage, but cumulative impacts can cause deterioration over time. The extent of the damage also depends on the roofing material; hail-resistant tiles like slate or certain types of asphalt shingles can withstand impacts better than other materials. If you are concerned about potential damage after a storm, it is always a good idea to have a professional roofer conduct an inspection.