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Roofing questions, answered by experts

Homeowners insurance typically covers roof repairs or replacement if the damage is caused by a sudden, accidental event or a covered peril, such as a storm, wind, hail, fire, or a falling tree. However, insurance will not cover repairs or replacement for issues stemming from a lack of maintenance, normal wear and tear, or a roof that is simply old and at the end of its lifespan. If a leak or damage occurs due to neglect, you will likely have to pay for repairs out of pocket.

Copper roof strips can last for 20 to 30 years or more if properly installed—in many cases, they may outlast your roof. Inspect your roof annually to ensure copper roof strips remain properly adhered and undamaged, and repair any loose or lifted strips. With very little upkeep, copper roof strips can protect your roof for decades to come.

While there are many benefits to installing a metal roof on your home, there are some downsides, too. Zinc roofs, in particular, are susceptible to corrosion from overly salty air directly near coastal areas. Another potential downside of zinc roofing is that it must be allowed to expand and contract with the weather. This means special attention is necessary to how it's fastened to the home to avoid issues. 

The roof overhang, also known as the eaves, does count as part of the roof’s square footage because it must be covered with the roofing material. The overhang is one of the reasons why you can’t base your roof's square footage on the square footage of the house. The roof square footage must also account for the pitch of the roof as well as the eaves.

Wood shake roofs are durable, energy-efficient, and offer a natural aesthetic. Composite options provide similar looks with less maintenance.

The Jamestown, CA homeowners’ guide to roofing services

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