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Tile roofs, including clay, concrete, and slate, are considered low-maintenance materials that require fewer repairs and less care than many other roofing options.

• Clay tiles require minimal maintenance. They stand up well to the elements and UV radiation, repel water, and do not easily stain, discolor, or fade in direct sunlight. Clay tiles do not need sealing. Maintenance is typically only required to replace cracked tiles, which can be caused by foot traffic, extreme weather, or fallen tree limbs.

• Concrete tiles are also low-maintenance but require more upkeep than clay. They need to be sealed every few years to maintain water resistance, and their color tends to fade more quickly than clay.

Aside from these material-specific needs, general maintenance for tile roofs includes annual inspections, routine gutter cleaning, and addressing repairs as they arise. A well-maintained tile roof can provide 50 to 100 years or more of protection for your home.

Homeowners insurance may cover chimney leaks, repairs, or replacement, but coverage depends on the cause of the damage. If the chimney is damaged by a sudden, covered peril like a lightning strike, storm, hail, fallen tree, or an unexpected fire, your policy is likely to cover the costs. However, insurance generally does not cover damage resulting from normal wear and tear, old age, or a lack of proper maintenance, such as failing to perform regular cleanings and inspections. If a fire or other damage is caused by a known issue you didn't address, the claim may be denied. Additionally, some policies may have specific exclusions for events like high winds or earthquakes.

While you can technically install new roof sheathing over an old layer, it is generally not recommended for several reasons. Installing new sheathing over old can trap moisture, which may lead to future problems, especially in humid climates. It also adds significant weight to the roof structure and prevents you from inspecting the original sheathing for rot, mold, or other damage.

However, in some cases, if the old sheathing has been thoroughly inspected and is in excellent condition with no signs of rotting, warping, or damage, a roofer may install new sheathing over it to add strength and stability. Despite this, the more common and recommended practice is to remove the old roof sheathing entirely before installing a new layer, as removing it is not a difficult task.

Insurance might cover a 30-year-old roof, but it’s fairly rare. Most companies don’t offer coverage for roofs older than 20 years, but certain robust plans will handle it. However, even if the plan offers coverage for an aged roof, it could be diminished. Many plans only cover the original cost or the actual cash value (ACV) of the roof once enough time has passed. ACV is based on the roof's age and condition at the time of repairs.