Get matched with top roofers in Ruthven, IA

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.

There are several pros and cons of flat roofs. One disadvantage of flat roofs is that you lose potential attic space because it's flat. Flat roofs tend to pool water and because they lack an angle, any leak in the roof—usually due to a bad seal—has the potential to let in a lot of water. They don’t work well in climates with snow. Flat roofs are also structurally weaker than sloped roofs.

Replacing older chimneys or fireplaces, like wood-burning stoves, with something more eco-friendly can actually increase the value of your home. Some homeowners opt to remove chimneys as they pursue LEED certification, which may also increase the value of your home. But in general, many potential buyers actually look for operational fireplaces in homes, so removing a chimney and fireplace could decrease your home’s value by up to $5,000.

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.