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More and more insurance companies are writing torch down applications out of their liability insurance for contractors. If torch down is covered, they generally require a worker to stay on site for two hours after the last flame is extinguished.

For this reason, cold application modified bitumen—also known as “peel and stick”—is becoming more popular, and torch down is decreasing in popularity. Modified bitumen is taking its place, as it uses both hot and cold applications.

No, you should not close or cover your gable vents in the winter. While it might seem logical to block cold air, heating your home creates hot air that rises and can cause condensation in the attic. If the vents are covered, this moisture becomes trapped, creating an ideal environment for mold and mildew. Keeping the gable vents open ensures proper ventilation, which helps dry out the attic, maintain even temperatures, and prevent moisture-related damage.

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.

Spray foam roofs don’t stand up well to impact, so they won’t last as long as something like a tar and gravel roof and other flat roof materials in areas where extreme weather is common. Due to the reduced durability, you’ll also need more frequent maintenance and repairs for a spray foam roof, and those costs will add up over time. Spray foam roofs are relatively uncommon, so you may also struggle to hire a roofing contractor who can install one.