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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.

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.

In most cases, it is best to leave icicles on your roof and allow them to melt naturally. You should only consider removing them if they are heavy enough to cause damage to your home or pose a risk to people below. Since removing icicles can be dangerous, it is recommended to hire a professional for the job if you have immediate concerns. To prevent the issue from recurring, you should address the underlying cause, such as improving your home's insulation or installing roof heating coils.

The most common slope range for roofs on houses in snowy areas is between 4/12 and 6/12, or 50%. A roof with a slope of less than 10%, or roughly a 2/12 pitch, won’t be effective at shedding snow. However, roofs that are too steep can allow large amounts of snow to build up and fall all at once, creating a hazard for those on the ground.