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Homeowners insurance typically covers roof repairs or replacement if the damage is caused by a sudden, accidental event or a covered peril, such as a storm, wind, hail, fire, or a falling tree. However, insurance will not cover repairs or replacement for issues stemming from a lack of maintenance, normal wear and tear, or a roof that is simply old and at the end of its lifespan. If a leak or damage occurs due to neglect, you will likely have to pay for repairs out of pocket.

Hail damage on a tile roof looks like chips, cracks, and dents. Some roof tiles may break off entirely in harsh hailstorms. Hail can cause tile shingles to shift and loosen, leading to less protection from water and the elements. Loose tiles can also pose a safety risk to people, pets, and property below.

Yes, installing snow guards is highly recommended for metal roofs, especially if you live in an area with moderate to heavy snowfall. Metal roofs have smooth, slick surfaces that offer little traction, which can cause large, heavy loads of snow and ice to slide off all at once in a dangerous "rooftop avalanche."

This sudden release of snow can cause serious injury to anyone below and damage personal property, such as cars or landscaping.

Snow guards act as a barrier, holding the snow on the roof so it can melt and slide off in smaller, more controlled amounts. While low-slope metal roofs in areas with very little snow might not strictly require them, installing snow guards is a valuable safety measure to protect your family and property.

Walking on the roof to clean gutters is unsafe and not recommended due to significant safety risks. It is especially dangerous on steep or slippery roofs, or if the roof is wet or covered in leaves, which increases the chance of a fall. In addition to personal injury, walking on the roof can damage shingles, potentially leading to water leaks. Instead of walking on the roof, use a sturdy ladder positioned on a stable surface to access the gutters. Be aware that using a ladder also carries risks, as it can be difficult to maintain balance while performing the work. You can also use ground-based cleaning tools. For safety reasons and to prevent damage to your roof, hiring a professional to clean your gutters is the best and safest option.