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Verify that your roof is licensed and insured by visiting your state's contractor's licensing association. Most states have a database to double-check your contractor's name and address against the information provided. The contractor should also display both their license and insurance on their website with links to the related agencies.

Yes, moss can be dangerous for your roof if left in place to grow without treatment. The moss soaks up and holds moisture. Having a constantly damp roof could lead to problems with rot for the parts of the roof that consist of wood. Additionally, a patch of thick moss may draw insects and birds, which could damage the roof. Thick moss could block the roof’s drainage system. Water then may back up after a rainstorm and cause further damage that could eventually lead to roof repair expenses or the cost of roof replacement.

Yes, in many cases, homeowners insurance does cover roof damage caused by snow. For instance, if your roof collapses during a snowstorm or an ice dam results in a ceiling leak, your policy should cover repair costs. However, for a claim to be approved, the roof must have been well-maintained and in good condition before the snow-related damage occurred. The payout, whether full or partial, can also vary depending on the age of your roof and its overall condition prior to the snowfall. It is always best to review your specific homeowners insurance policy to understand the details of your coverage and any potential exclusions.

You shouldn’t put a new roof underlayment over an old one for a few reasons. Old felt must be removed in order to assess the condition of your roof decking, such as rotting wood or other structural issues. Also, if your roofer doesn't install a fresh layer of felt as is required by shingle manufacturers, your warranty may be voided. Finally, old underlayment removal is often included in the cost of roof repair or replacement, so there's no real benefit to leaving it on before installing a new layer.