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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.

Clay tile roofing is more susceptible to damage from impact than something like a metal roof or even asphalt shingles, so they aren’t ideal in areas that see frequent windblown debris or hail. Clay tile roofs are also an average of $8,000 more expensive than asphalt shingle roofs, so up-front cost is an important consideration to make before committing.

Re-roofing is the process of placing a layer of shingles over top of existing shingles, rather than pulling out those shingles and replacing them. Compared to a full roof replacement, re-roofing typically costs less and requires less labor and time. It's not an option for everyone, though. You may need a full roof replacement if your roof already has more than one layer of shingles. A full replacement may also be necessary if your roof has extensive damage.

Yes, roofers can repair and replace roof trusses. In fact, because trusses are such an important part of your roof’s structure, it’s best to have a roofing contractor deal with a damaged truss. If you try to fix the problem without the right skills or knowledge, your roof could sustain further damage or even collapse.