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Technically speaking, yes, verbal agreements and “handshake deals” can be legally binding contracts that will hold up in court, but the suing party will need to be able to prove that the parties entered into the contract. Even though verbal and handshake deals can be binding, it’s risky to rely on these types of agreements for anything, including roofing projects. Always aim to get your contract in writing, and make sure it includes all terms and that you don’t agree to additional terms that don’t appear in the contract.

Furring strips (also called wood stripping) are not always necessary for a metal roof installation, but they are highly recommended and may be required by local building codes or the roofing manufacturer's specifications. There are several key reasons to use them:

• Energy Efficiency: Furring strips, made of wood or metal, create an air gap between the metal panels and the roof deck. This acts as a thermal break, reducing heat transfer into your home and improving overall energy efficiency.

• Moisture and Condensation Control: The air gap allows for better airflow, which helps prevent moisture buildup and condensation under the metal panels.

• Structural Support: They provide a solid, even frame to which you can attach the metal roofing panels.

It is especially important to use furring strips when installing a metal roof over existing shingles. Without them, the roof surface can be uneven, and you will experience greater solar heat gain.

A roof pitch that’s too shallow won’t shed runoff as quickly, so you have an increased risk of water intrusion through the seams between your roofing materials. In colder climates, snow and ice will accumulate more easily on your roof, which can add enough weight to cause roof collapse and structural damage to your home.

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.