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Your homeowners insurance premium may increase if you file a roof claim. Whether your rate goes up, and by how much, depends on several factors. These include your insurance company's policies, your personal claim history, the size of the current claim, and the type of damage. While a single claim after a long period without any may not trigger an increase, frequent claims are more likely to raise your premium. Additionally, insurers might increase rates at renewal due to external factors like changing weather patterns, which are beyond your control.

There is a weight limit for walking on a roof, but it’s determined by your roof structure and not the roofing material, at least in the case of a metal roof. Consider that entire teams of roofers will be on top of your home during the installation, so the weight of a single person won’t compromise your roof. That isn’t the case for something like a tile roof, so a high weight limit is one benefit of a metal roof.

You may become so frustrated with the look of moss on your roof that you contemplate whether to clean or replace your roof. Fortunately, you don’t have to go as far as replacing it. After cleaning the moss, you can use a chemical solution to keep it away. For further protection, trim branches that overhang the roof, as fallen seed pods and leaves on the roof allow moisture to collect, encouraging moss growth. Consider adding zinc-coated flashing to the roof, too. As rain washes across the zinc, it leaves zinc particles behind that inhibit moss growth.

No, you can’t use your home’s square footage. You have to calculate your roof’s square footage, and then you may have to convert your square footage measurement to correspond with how the roofing material is measured. For instance, some roofing is sold in “squares,” which equals the total square footage of the roof divided by 100. Shingles are sold in bundles that may not correspond to the number of squares you need. Metal roofing is sold as sheets, so determine the amount of square feet each panel will cover and then divide the total square footage by the coverage area.