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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.

A gambrel roof and a mansard roof are similar in that they are both hipped roofs, meaning they have double slopes—one steep and one more gradual above the steep slope. The difference is that a gambrel roof has a double slope on only two sides of the structure, whereas a mansard roof has a double slope on all four sides.

Roof leaks develop quickly and can cause serious damage to your house and in extreme cases, quite nearly ruin it. Roof leaks have been known to affect even the foundations of a home, so taking care of any issues as soon as they pop up—or even before—is of the utmost importance.

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.