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Skipping the installation of a drip edge or gutter apron can lead to significant water damage. Without this component, water is more likely to seep under roofing materials or leak behind gutters, damaging the fascia, soffits, siding, and even the interior of your home, such as the attic. Over time, this moisture can cause rot, mold, and deterioration. In colder climates, a missing drip edge also increases the risk of ice dams, which can lead to expensive repairs. A drip edge is an essential part of a roof's drainage system, and some local building codes may even require its installation to protect the home from water damage.

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.

Depending on the condition of your roof, you may be able to add flashing to it. If you’re looking for a way to maintain its integrity while saving some money, you should ask a roofing pro if this is an option. Keep in mind that if your roof is in poor shape, a full replacement may be necessary before flashing is installed.

Underlayment is required by building code, so any roof installed without it is technically against code. The underlayment acts as the second layer of defense against water, so installing a roof without underlayment means a much higher risk of roof leaks. You’ll have the best chance of avoiding roof leaks if you install drip edge flashing covered by underlayment, and then install your roofing material over that.