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Homeowners insurance typically covers roof repairs or replacement if the damage is caused by a sudden, accidental event or a covered peril, such as a storm, wind, hail, fire, or a falling tree. However, insurance will not cover repairs or replacement for issues stemming from a lack of maintenance, normal wear and tear, or a roof that is simply old and at the end of its lifespan. If a leak or damage occurs due to neglect, you will likely have to pay for repairs out of pocket.

You can put new shingles over old shingles, but most municipalities only allow for two layers of shingles before you have to rip off the old roof and start fresh. In some areas, only a single layer of shingles is allowed due to the weight a bundle of shingles adds to your structure. In most cases, it’s a good idea to remove your old shingles before you install new shingles, especially if you suspect that a roof leak may have compromised the decking underneath.

Shingle roofing can last anywhere from 15 to 50 years, depending on the type and quality of shingle, your local climate, and how well you maintain your roof. If you live in an area that sees extreme weather, like strong winds, hail storms, or hurricanes, the average life span of a shingle roof will often be on the shorter end, especially if you choose a more affordable roof shingle that isn’t designed to persist through extreme weather.

A chimney cap costs about $300 on average to install, with prices ranging from $75 to $1,000. The final cost depends on several factors, including the professional you hire, the accessibility of your chimney, the cap's material and size, whether any repairs are needed, and if it requires custom fabrication. Chimney caps are usually made from galvanized steel, stainless steel, or copper. Copper caps are the most expensive, followed by stainless steel and then galvanized steel. Excluding labor, average material costs are around $100 for galvanized steel, $250 for stainless steel, and $600 for copper. You may also face additional costs, such as hiring a chimney sweep to clean the chimney before the cap is installed.