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Underlayment is required by building code, so any roof installed without it is technically against code. The underlayment acts as the second layer of defense against water, so installing a roof without underlayment means a much higher risk of roof leaks. You’ll have the best chance of avoiding roof leaks if you install drip edge flashing covered by underlayment, and then install your roofing material over that.

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.

Yes, moss can be dangerous for your roof if left in place to grow without treatment. The moss soaks up and holds moisture. Having a constantly damp roof could lead to problems with rot for the parts of the roof that consist of wood. Additionally, a patch of thick moss may draw insects and birds, which could damage the roof. Thick moss could block the roof’s drainage system. Water then may back up after a rainstorm and cause further damage that could eventually lead to roof repair expenses or the cost of roof replacement.

Roll roofs don’t last as long as traditional roofs, like those made of asphalt shingles. A roll roof typically lasts between five and 15 years, whereas a shingled roof will last between 20 and 50  years. Modified bitumen roofs are similar in look to rolled roofing but have a 12 to 15 year warranty.