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Homeowners insurance may cover the cost to tarp a roof if the type of damage falls within your coverage. For example, roof damage caused by a natural disaster may fall within your plan, and the cost of a temporary tarp may be incorporated. In general, however, simply tarping your roof for renovations will often not fall under insurance coverage.

High-quality tarps can last up to 90 days on your roof if properly secured. Keep in mind that thinner tarps, or those exposed to heavy wind and rains, may not last the full three months, so it's important to keep an eye on the tarp to ensure it’s standing up to the elements.

Using an ice and water shield underlayment under a metal roof is a good way to protect the roof and your home from damage in colder climates that see a lot of winter weather. Traditional underlayment isn’t effective underneath a metal roof, though, so be sure to install one specifically made for metal roofs to get the best protection.

How much snow a roof can handle depends on the snow’s weight and the roof's strength. Wet snow is far heavier than dry snow. In areas that receive annual snowfall in abundance, house designs regularly allow for between 35 and 50 pounds per square foot, equating to up to four feet of fluffy-snow accumulation.