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A roof's ability to handle snow depends on its strength and the snow's weight, as wet snow is much heavier than dry, fluffy snow. While designs in snowy regions often allow for 35 to 50 pounds per square foot, a general guideline is that a typical roof can withstand about four feet of fresh snow, two feet of packed snow, or just one inch of ice. Factors like the roof's age, slope, and support structure also affect its capacity; newer, sloped roofs generally hold more weight than older, flat ones. Ice and ice dams add significant, dangerous weight. Because capacity varies, it is best to contact a professional roofing contractor or the original builder to determine the maximum snow load for your specific home.

Asphalt shingles most commonly suffer from granule loss, which can occur in any climate and just happens naturally as the roof is exposed to the elements. In areas that see more extreme weather, like hail, strong winds, and excessive rainfall, common issues can include pock marks from hailstones, curling or lifting shingles, or roof leaks and related mold growth on the roof decking below.

Tile roofs, including clay, concrete, and slate, are considered low-maintenance materials that require fewer repairs and less care than many other roofing options.

• Clay tiles require minimal maintenance. They stand up well to the elements and UV radiation, repel water, and do not easily stain, discolor, or fade in direct sunlight. Clay tiles do not need sealing. Maintenance is typically only required to replace cracked tiles, which can be caused by foot traffic, extreme weather, or fallen tree limbs.

• Concrete tiles are also low-maintenance but require more upkeep than clay. They need to be sealed every few years to maintain water resistance, and their color tends to fade more quickly than clay.

Aside from these material-specific needs, general maintenance for tile roofs includes annual inspections, routine gutter cleaning, and addressing repairs as they arise. A well-maintained tile roof can provide 50 to 100 years or more of protection for your home.

Homeowners insurance may cover chimney leaks, repairs, or replacement, but coverage depends on the cause of the damage. If the chimney is damaged by a sudden, covered peril like a lightning strike, storm, hail, fallen tree, or an unexpected fire, your policy is likely to cover the costs. However, insurance generally does not cover damage resulting from normal wear and tear, old age, or a lack of proper maintenance, such as failing to perform regular cleanings and inspections. If a fire or other damage is caused by a known issue you didn't address, the claim may be denied. Additionally, some policies may have specific exclusions for events like high winds or earthquakes.