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Roofing questions, answered by experts

Your homeowners insurance premium may increase if you file a roof claim. Whether your rate goes up, and by how much, depends on several factors. These include your insurance company's policies, your personal claim history, the size of the current claim, and the type of damage. While a single claim after a long period without any may not trigger an increase, frequent claims are more likely to raise your premium. Additionally, insurers might increase rates at renewal due to external factors like changing weather patterns, which are beyond your control.

If you live on the West Coast or anywhere with the threat of wildfires, you likely want to take steps to fireproof your home. Besides waterproofing and life span, rubber roofing also is noted for being fire resistant. Consult a professional roofer for details on what type of roofing would be best for you if fire resistance is a priority.

Condensation can occur on the inside of a roof, but it should always be temporary. It does not necessarily mean there is a roof leak. Condensation happens when the inside and outside of a house are at different temperatures. For instance, if it is hot during the day and then gets very cold at night, the inside of the house will be warmer than the outside and may cause condensation to form on the inside of the attic. This may not be cause for concern, but if it is happening frequently, it should be addressed; otherwise, it could cause roof leaks, compromise the structural integrity of the wood, or allow mold to grow.

Yes, chimney flashing is an important element in the complex system that is your roof. Chimneys (and anything else that goes through your roof) provide a great opportunity for water damage. Good flashing prevents a lot of potential damage. 

Yes, roof ridge caps are a necessary part of your roof system. Your roof ridge cap is at the peak of your roof, where two slopes of your roof meet. Roof ridge caps seal the seam and help protect your roof from water and debris, and because they’re pre-bent and thicker, they’re more suited to the job than regular roof shingles, which can break when bent.

The Sherburn, MN homeowners’ guide to roofing services

From average costs to expert advice, get all the answers you need to get your job done.