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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.

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.

A roof's lifespan can range from 15 to 200 years, with an average of 25 to 50 years, depending heavily on the material, quality of installation, maintenance, and local climate. Asphalt shingle roofs are common and typically last 15 to 30 years; three-tab shingles have a lifespan of about 20 years, while architectural shingles can last up to 30. More durable materials have longer lifespans: metal roofs last 30 to 100 years, clay and concrete can last 50 to 100 years, and slate roofs can last up to 200 years with proper care. Regular maintenance, such as cleaning gutters and replacing damaged shingles, is crucial for extending the life of any roof.

The formula for calculating how many squares of roofing you need is pretty easy. Take the total amount of square footage and divide it by 100. With this formula in mind, a 2,000-square-foot roof would require 20 squares of roofing material to adequately cover it.