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Homeowners insurance sometimes covers roof decking, but it depends on the cause of damage and whether the decking was properly installed. If the roof decking was damaged by a severe storm, then it will likely be covered. Insurance may also pay for roof decking work if building codes require it. However, insurance won’t cover damage caused by normal wear and tear or poor maintenance practices.

Chimney caps have a solid top but perforated sides so smoke can exit safely. If rain or snow falls downward, chimney caps can protect the chimney’s interior. Just note that if rain or snow blows in sideways, there’s a higher likelihood it will enter the chimney—but it's not often a cause for concern as long as you have a cap.

Yes, thatched roofs are legal in most areas in the U.S., but you should always check your local building codes to ensure there are no restrictions in your particular area before installing one. Even where they are legal, you’ll usually need to apply fireproofing to the roof to keep it up to code. Keep in mind that a new roof might not increase home value as much if you choose a thatched roof, as they aren’t common in the U.S. and might not be as desirable to many home buyers.

Roofing jobs can be expensive due to the required materials and the dangerous nature of the labor. The cost to repair a roof ranges from $390 to $1,920, with an average cost of $1,150, depending on what kind of roof you have and any accessibility concerns. Replacing a roof is much more expensive at $5,890 to $12,800.