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Walking on the roof to clean gutters is unsafe and not recommended due to significant safety risks. It is especially dangerous on steep or slippery roofs, or if the roof is wet or covered in leaves, which increases the chance of a fall. In addition to personal injury, walking on the roof can damage shingles, potentially leading to water leaks. Instead of walking on the roof, use a sturdy ladder positioned on a stable surface to access the gutters. Be aware that using a ladder also carries risks, as it can be difficult to maintain balance while performing the work. You can also use ground-based cleaning tools. For safety reasons and to prevent damage to your roof, hiring a professional to clean your gutters is the best and safest option.

Yes, most insurance plans cover acts of nature. In policy documents, this also may be called “Acts of God” or “natural disasters.” However, not all acts of nature are covered by your policy, and the extent to which they’re covered depends on your specific contract. Check your policy documents to understand your coverage limits and exclusions.

If you see rust spots or streaks or any physical damage to the chimney cap from the ground, you should hire a professional to inspect and replace it. If it’s safe to get up on your roof or near your chimney cap with a ladder, you can perform a closer inspection to identify issues. Additionally, if you know your chimney cap is nearing the end of its life—usually five to ten years—or you’re seeing evidence of water damage or pest infestation in your chimney, it’s a good idea to replace the cap.

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.