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The best style of chimney cap for a brick chimney is one that fits tightly around the brick top of the chimney. The cap should have a screen to fully enclose it to keep animals out. The best materials include stainless steel, copper, or aluminum that fit tightly or are custom fabricated for a perfect fit on your chimney.

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.

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.

Gable roof construction can last for 100 years or more without needing structural repairs, although the lifespan depends on your climate. Since gable roofs are great at shedding rain and snow, the actual roofing material on top will last for between 20 and 100 years or more, depending on the material you choose. If you’re unsure that your gable roof is up to par, have a roof inspector take a look.