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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.

Always inform your insurance company when you get a new roof. A new roof may entitle you to lower rates or discounts, and if you need to make a claim, they’ll have up-to-date information on your roof. You’ll need to provide documentation—ask your insurance agent what you need to submit to prove you had your roof replaced.

Roofing felt is the most common type of roof underlayment, likely because it has been around the longest. It’s called roofing felt because it is often made of felt soaked in asphalt. Depending on the type of roofing a home has, roofing felt comes in different thicknesses. 

If properly installed and maintained, roofing felt should last between 10 and 25 years. 

An improper DIY roof cleaning could cause leaks by damaging the roofing material. Things like using too much water pressure on the shingles or applying a harsh cleaning solution could cause damage. If you do enough damage, you could harm the ability of the shingles or other roof materials to keep water out of your home.