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Furring strips (also called wood stripping) are not always necessary for a metal roof installation, but they are highly recommended and may be required by local building codes or the roofing manufacturer's specifications. There are several key reasons to use them:

• Energy Efficiency: Furring strips, made of wood or metal, create an air gap between the metal panels and the roof deck. This acts as a thermal break, reducing heat transfer into your home and improving overall energy efficiency.

• Moisture and Condensation Control: The air gap allows for better airflow, which helps prevent moisture buildup and condensation under the metal panels.

• Structural Support: They provide a solid, even frame to which you can attach the metal roofing panels.

It is especially important to use furring strips when installing a metal roof over existing shingles. Without them, the roof surface can be uneven, and you will experience greater solar heat gain.

Mansard roofs provide more attic space or living space on the interior than many other styles, and they offer a classic appearance and old-world charm to any home. They also often have multiple windows on the lower hip, providing ample natural light and ventilation. 

On the other hand, they’re more expensive to install and replace due to their complexity and rarity, and the low slope of the upper hip means that heavy snowfall can be an issue. Additionally, they’re more prone to leaking than many other roof styles.

The installation may have been done correctly. However, improperly installed gutter guards can easily damage your shingles. Also, cheap gutter guards rarely come with installation fixtures. In the worst cases, they simply ask you to nail the guards in, which would sabotage your roof’s water resistance and thus void the warranty. To be sure, always check with your home warranty provider before making any modifications.

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.