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Yes, shingles should overhang the drip edge, typically between 1/2-inch and 3/4-inch. An overhang shorter than 1/2-inch can allow wind-driven rain to get under the shingles and damage the roof deck or fascia. Conversely, an overhang longer than 3/4-inch increases the risk of shingles getting caught by strong winds, which can lead to roof uplift. Always check your local building code for exact overhang requirements in your area.

Just like when you’re shingling a roof, you can install felt underlayment under a metal roof, but a synthetic underlayment like adhered ice and water shield is the best option. These use adhesives rather than mechanical fasteners, so you have fewer penetrations going through your roof deck and a lower risk of leaks. Ice and water shield is also easier to install because you don’t need additional tools or fasteners to attach it to the roof deck.

There are several signs that indicate you’ll need new underlayment. Clear signs include missing or damaged roofing and exposing the underlayment to the elements. Additionally, if you notice water damage in your home by the roof after a storm, it could indicate that your underlayment may need to be replaced. If your gutters aren’t draining properly, it could also lead to rotting or water damage to the underlayment.

Your homeowners insurance premium may increase if you file a roof claim. Whether your rate goes up, and by how much, depends on several factors. These include your insurance company's policies, your personal claim history, the size of the current claim, and the type of damage. While a single claim after a long period without any may not trigger an increase, frequent claims are more likely to raise your premium. Additionally, insurers might increase rates at renewal due to external factors like changing weather patterns, which are beyond your control.