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EPDM roofs have a few common problems, most of which can be resolved with regular maintenance. This type of roofing is laid down in sheets with seams, which can be a starting point for leaks. Proper installation and roof sealing can often avoid seam issues. 

The material is also susceptible to tears and punctures from falling branches or other sharp objects. There are black and white versions of EPDM, and the black version is more prone to fade and succumb to UV damage. Regular roof inspections can protect the costs of rubber roof installation and extend the life of your roof.

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.

Furring strips (also called wood stripping) are not always necessary for a metal roof installation, but they are highly recommended and may be required by local building codes or the roofing manufacturer's specifications. There are several key reasons to use them:

• Energy Efficiency: Furring strips, made of wood or metal, create an air gap between the metal panels and the roof deck. This acts as a thermal break, reducing heat transfer into your home and improving overall energy efficiency.

• Moisture and Condensation Control: The air gap allows for better airflow, which helps prevent moisture buildup and condensation under the metal panels.

• Structural Support: They provide a solid, even frame to which you can attach the metal roofing panels.

It is especially important to use furring strips when installing a metal roof over existing shingles. Without them, the roof surface can be uneven, and you will experience greater solar heat gain.

Pea-sized hail can damage a roof if it experiences hailstorms often, as it slowly causes cracks and deterioration to your shingles. Usually, one hailstorm with pea-sized hail won’t damage your roof, but if you see other damage to your car, grill, and other property, it may be worthwhile to get in touch with your insurance company and have a local roofer come out for an inspection.