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Yes, because it prevents water damage, deters pests from accessing the roof decking, protects the roof from wind damage, and lengthens the roof's life. Plus, building codes require it. 

Tile and shingle roofs both have their pros and cons. In general, tile roofs are a larger upfront investment. In some cases, they can cost twice as much as shingles, but they last much longer and generally hold their value better than shingle roofs. Shingle roofs, on the other hand, are budget-friendly and quicker to install.

Most traditional lenders will not loan against a house with a leaking roof, and some lenders won’t lend against a home with a roof near the end of its lifespan. If the roof on your new home is in poor condition, you may need to have the seller offer a credit for a roof replacement after closing, or you can opt for a renovation loan—also called a 203k loan—to bundle the house and the roof replacement into one loan.

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.