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Hail is unlikely to damage a tar and gravel roof because the hailstones will hit the protective gravel rather than your delicate roof membrane. A tar and gravel roof is the most resilient flat roof option, which means it’s the best one for areas that see hail, fallen tree debris, and blown debris from intense winds.

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.

Mansard roofs provide more attic space or living space on the interior than many other styles, and they offer a classic appearance and old-world charm to any home. They also often have multiple windows on the lower hip, providing ample natural light and ventilation. 

On the other hand, they’re more expensive to install and replace due to their complexity and rarity, and the low slope of the upper hip means that heavy snowfall can be an issue. Additionally, they’re more prone to leaking than many other roof styles.

Flat roofs are a solid option for people who want extra outdoor space. Flat roofs are very common in other parts of the world and only recently has the U.S. started to see the benefit in the increased space. Flat roofs are also easier to maintain and pose much less of a safety risk, which allows for more DIY work for handy homeowners. Some people also build green or living roofs that grow plant life.