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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.

There should be small gaps between your roof and the walls of your home, and other buildings. These small gaps let building materials shift, expand, and contract with weather and other outside forces, and they prevent moisture from wicking down walls from roofing and gutter systems. Without these strategic gaps, your home’s exterior and its finishes can sustain water damage, decay, peel, delaminate, and crack. However, there is a fine line between a smart gap and a problematic gap—all  gaps should be small, intentional, and covered or filled in with foam insulation to prevent pests from using them as access points.

A gable roof costs between $13,000 and $30,000, depending on the size of your roof, the materials you use, and the type of gable roof you install. If you’re building a gable roof for new construction or as part of a major home remodel, your pricing will also depend on the type of roof trusses you use, how accessible your property is, and some other factors.

Though roof coatings can last up to two decades, it’s a good idea to recoat your roof every four to six years. This is especially important if you have a built-up roof, which is vulnerable to moisture issues. Inspect your built-up roofs annually to make sure they don’t need a new coat.