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In most cases and locations, roofs with a single layer of asphalt roofing shingles won't require roof removal before installing a metal roof. However, underlayment may be necessary on roofs with moderate shingle damage. Heavily damaged roofs or ones with multiple shingle layers will most likely require removal before a metal roof can go on.

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.

A properly installed, high-quality tarp can be left on a roof for up to 90 days. However, this is only a temporary measure and not a substitute for proper roof repair or replacement. Thinner tarps or those exposed to heavy wind and rain may not last the full 90 days, so it's important to monitor the tarp's condition to ensure it continues to protect your roof from the elements.

Generally, hailstones that are one inch in diameter or larger can cause significant damage to a roof. However, smaller hail can also cause damage, particularly when accompanied by strong winds, if it strikes an aging or poorly maintained roof, or if hailstorms are frequent in your area. Hail that is ¼ inch (pea-sized) or smaller poses a minimal risk of immediate, permanent damage, but cumulative impacts can cause deterioration over time. The extent of the damage also depends on the roofing material; hail-resistant tiles like slate or certain types of asphalt shingles can withstand impacts better than other materials. If you are concerned about potential damage after a storm, it is always a good idea to have a professional roofer conduct an inspection.