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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.

Asphalt shingles most commonly suffer from granule loss, which can occur in any climate and just happens naturally as the roof is exposed to the elements. In areas that see more extreme weather, like hail, strong winds, and excessive rainfall, common issues can include pock marks from hailstones, curling or lifting shingles, or roof leaks and related mold growth on the roof decking below.

Homeowners insurance typically covers roof repairs or replacement if the damage is caused by a sudden, accidental event or a covered peril, such as a storm, wind, hail, fire, or a falling tree. However, insurance will not cover repairs or replacement for issues stemming from a lack of maintenance, normal wear and tear, or a roof that is simply old and at the end of its lifespan. If a leak or damage occurs due to neglect, you will likely have to pay for repairs out of pocket.

The best way to prevent wind damage to your roof, especially if you live in an area prone to hurricanes, tropical storms, or tornadoes, is to invest in a roofing product with high wind resistance. Look for the ASTM D3161 and ASTM D7158 ratings to see the specific wind speeds your roofing product can withstand. Impact-resistant shingles have the highest wind resistance ratings and will give you the best chance of avoiding wind damage.