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In many cases, yes, homeowners insurance covers roof damage caused by snow. For example, if your roof collapses in a snowstorm or an ice dam leads to a leak in your ceiling, your policy should cover the cost of repairs. However, to get your claim approved, your roof must be well-maintained and in good condition overall, aside from the recent snow-related damage.

If the bay window extends beyond your existing roofline, you must add a roof or a small “skirt” to divert storm water and prevent water damage. The window roof can match your existing house roof, or be finished with copper or other decorative materials. Most bay windows have a roof with complete flashing regardless of their placement to prevent leaks into the home.

Rain shouldn’t come in through your ridge vents unless your vents are damaged or the rain is accompanied by very high winds. Most ridge vents use flashing or baffling to keep out rain, snow, and debris. If your ridge vent isn’t baffled, rain is more likely to enter your attic, so ridge vents with baffles are a better choice in areas with regular rainfall.

The minimum recommended slope for a porch roof is 1/4:12, which means 1/4-inch of rise every 12 inches of run. Slopes of 3:12 and 4:12 are more common and provide faster drainage for runoff. Make sure to choose a pitch that’s appropriate both for the climate in your area and the type of roof material you install. Hire a roofer if you need help determining what the right roof pitch is.