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Roofing questions, answered by experts

If you choose to get a personal loan to finance a roof, you will want to aim for a “good” or “excellent” credit score for the best rates. That means a credit score of 690 or more. If you aren’t sure of your credit score, you can request one free credit report per year from each of the three major credit bureaus: Equifax, Experian, and TransUnion. Many banks also provide free credit reports monthly.

Sometimes chimney caps blow off during storms or fall off after rusting away. While this typically won’t cause structural damage, failing to replace a chimney cap can. A chimney cap prevents moisture, animals, and debris from entering your chimney, all of which can cause serious problems, such as damage to the masonry or blockages in the flue.

Chimney caps have a solid top but perforated sides so smoke can exit safely. If rain or snow falls downward, chimney caps can protect the chimney’s interior. Just note that if rain or snow blows in sideways, there’s a higher likelihood it will enter the chimney—but it's not often a cause for concern as long as you have a cap.

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.

Properly maintained roof decking can last between 20 and 30 years on average, though it varies based on a few factors. Mainly, the quality of roof decking materials and environmental conditions have the most impact on longevity. You can extend its lifespan by regularly inspecting your roof and making repairs as necessary.

The Yucaipa, CA homeowners’ guide to roofing services

From average costs to expert advice, get all the answers you need to get your job done.

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