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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.

Yes, you should seal and cap an unused chimney to protect it from damage. Sealing the structure helps prevent moisture damage, which can lead to issues like cracks, spalling, efflorescence, and damaged mortar joints. Capping the chimney is also crucial to prevent blockages, damage from invasive critters, and downdrafts, while still allowing for proper air ventilation to manage moisture. For the best results, consult a chimney professional to select the right type of chimney or flue cap for your home. It's also wise to continue with annual chimney inspections to maintain the structure's integrity.

Good news—asphalt shingles, including architectural shingles, are easily recycled. Talk to your roofing contractor to find out if recycling options are available in your area.

If recycling isn't available, your roofing contractor may recommend renting a dumpster, if your project is on the large side, or collecting the shingles in contractor bags to throw them away. Another option may be to donate new or gently used shingles to a local nonprofit.

You may become so frustrated with the look of moss on your roof that you contemplate whether to clean or replace your roof. Fortunately, you don’t have to go as far as replacing it. After cleaning the moss, you can use a chemical solution to keep it away. For further protection, trim branches that overhang the roof, as fallen seed pods and leaves on the roof allow moisture to collect, encouraging moss growth. Consider adding zinc-coated flashing to the roof, too. As rain washes across the zinc, it leaves zinc particles behind that inhibit moss growth.