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Tile roofs, including clay, concrete, and slate, are considered low-maintenance materials that require fewer repairs and less care than many other roofing options.

• Clay tiles require minimal maintenance. They stand up well to the elements and UV radiation, repel water, and do not easily stain, discolor, or fade in direct sunlight. Clay tiles do not need sealing. Maintenance is typically only required to replace cracked tiles, which can be caused by foot traffic, extreme weather, or fallen tree limbs.

• Concrete tiles are also low-maintenance but require more upkeep than clay. They need to be sealed every few years to maintain water resistance, and their color tends to fade more quickly than clay.

Aside from these material-specific needs, general maintenance for tile roofs includes annual inspections, routine gutter cleaning, and addressing repairs as they arise. A well-maintained tile roof can provide 50 to 100 years or more of protection for your home.

Hail damage on a tile roof looks like chips, cracks, and dents. Some roof tiles may break off entirely in harsh hailstorms. Hail can cause tile shingles to shift and loosen, leading to less protection from water and the elements. Loose tiles can also pose a safety risk to people, pets, and property below.

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.

Homeowners insurance may cover chimney leaks, repairs, or replacement, but coverage depends on the cause of the damage. If the chimney is damaged by a sudden, covered peril like a lightning strike, storm, hail, fallen tree, or an unexpected fire, your policy is likely to cover the costs. However, insurance generally does not cover damage resulting from normal wear and tear, old age, or a lack of proper maintenance, such as failing to perform regular cleanings and inspections. If a fire or other damage is caused by a known issue you didn't address, the claim may be denied. Additionally, some policies may have specific exclusions for events like high winds or earthquakes.