Get matched with top chimney inspectors in Warwick, MD

Roof underlayment usually lasts as long as the roofing material that covers it, as it’s not directly exposed to the elements. In most cases, roofing companies will replace the underlayment each time they install a new roof. In some cases, particularly with slate, clay, or certain metal roofs that can last 50 to 100 years, your underlayment may require replacement within that timeframe, especially if you start to notice roof leaks.

It’s possible to install your chimney cap in some areas, but it’s usually better to hire a professional. Before you attempt a DIY chimney cap installation, check to see if your local building department requires a permit. If it does, you should hire a professional to pull the permit and complete the work for you. Even if you don’t need a permit, getting up on your roof is dangerous, especially if you have an aggressive pitch or slippery roof material, like metal. Hiring a chimney professional guarantees the job is done correctly and keeps you safe from injury.

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.

You can check beneath your shingles to see if they’re listed as Class 4 or Class 3. Class 4 are technically the only shingles considered impact-resistant, but Class 3 shingles are still fairly resistant.