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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.

Manufacturers, insurance companies, and municipality regulations are phasing out three-tab shingles. Because of their short lifespan and lack of durability compared to other roofing material types, manufacturers are leaning toward better products, and cities and insurers are starting to require better building materials overall. However, 3-tab shingles are still for sale, and some roofing companies still install them.

Your tile roof's life expectancy ranges from 40 years to over 100, depending on which type you have and how well you maintain it by keeping it clean and free of debris. Clay, terracotta, and slate roofs often exceed the 100-year mark, while metal and composite versions can last over 50 years. 

It is not always necessary to put wood stripping (also called furring strips) under a metal roof, but some metal roofs require stripping to work efficiently. For example, you must use furring strips when installing metal over shingles in order to connect the shingles to the metal roofing. These strips are made of metal or wood. They create thermal breaks and provide a solid frame to which you can attach the metal roofing. A lack of wood stripping can cause condensation issues under certain roofs, so use the roofing manufacturer’s specifications as your guide.