Will insurance cover a roof with two layers of shingles?

• <div><p>Many insurance policies will not cover a roof with two layers of shingles. An additional layer of shingles increases the risk of various kinds of damage, and insurers typically won’t pay claims on a roof with an overlay. Adding a layer of shingles may even jeopardize your insurance coverage entirely, so check your policy to ensure you stay within coverage guidelines. </p></div>

How much should you pay a roofer upfront?

• <div><p>Ideally, you shouldn’t <a href="https://www.angi.com/articles/should-i-pay-roofing-contractor-front.htm">pay your roofer upfront</a> unless you’re special-ordering materials. However, anything between 10% and 15% of the project’s cost is reasonable to pay upfront. Avoid making a final payment until after the roof gets completed.</p></div>

When should you tarp a roof?

• <div><p>You should tarp a roof whenever roof damage occurs. Missing shingles and holes in your roof can cause <a href="https://www.angi.com/articles/7-unexpected-dangers-leaky-roof.htm">roof leaks and problems</a> that come with them. Tarping is a quick way to provide temporary roof protection while you wait for a professional roofer to make repairs.</p></div>

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Verified Reviews for Roofing pros in Yatesville, PA

*The Angi rating for Roofing companies in Yatesville, PA is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Roofing needs.

*The HomeAdvisor rating for Roofing companies in Yatesville, PA is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Roofing needs.

Last update on October 22, 2025

Reviewed in December 2024
Best company I ever worked with! Fast, efficient and friendly. My roof is beautiful
Planet Roof
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Reviewed in August 2023
Gotcha Covered did an excellent job completing our roof and gutter project. Our roof had been damaged by wind and hail, and Ian James helped us to navigate the entire process from filing the insurance claim to the completed project. Ian was informative, helpful, kind, and ensured that the job...
Gotcha Covered Contracting
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Reviewed in February 2022
The whole process was really easy from the sales rep to the install team. I love the new roof and I would definitely recommend this company
Home Genius Exteriors
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Reviewed in December 2016
No shingles needed to be replaced, instead, caulking was used to seal a small opening at the Ridge vent. Great! Wonderful repairman, I was very pleased with him. An exhaust roof fan was recommended and I also wanted two basement Glass-block windows installed. The problem occurred when Noone...
Slagle Roofing and Construction Inc.
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Reviewed in October 2014
couldn't get any other roofers in a 20 mile radius to even show up for an estimate or return my phone calls for 6 weeks. I called Jeff Hinkle and he was on the roof within 1 hour on a Thursday and gave me a report and estimate and came back and did the whole job the following Monday before the...
HINKLE ROOFING
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Reviewed in July 2013
He did a great job on it. Came out and looked around and did talk with us about what can be done about the roof. We had others telling us we can't put metal roofing on due to the Flat roof on the dormer. umm, well there was a way and now we are happy with the work Mr Bender did.
Bender Builders
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Reviewed in August 2011
service was excellant put seal on my roof,need dave to contact me on when he can perform his next job have called him 6 times leaving messages.
DAVE MASCARA HOME REMODELING
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Roofing questions, answered by experts

Many insurance policies will not cover a roof with two layers of shingles. An additional layer of shingles increases the risk of various kinds of damage, and insurers typically won’t pay claims on a roof with an overlay. Adding a layer of shingles may even jeopardize your insurance coverage entirely, so check your policy to ensure you stay within coverage guidelines.

How much snow a roof can handle depends on the snow’s weight and the roof's strength. Wet snow is far heavier than dry snow. In areas that receive annual snowfall in abundance, house designs regularly allow for between 35 and 50 pounds per square foot, equating to up to four feet of fluffy-snow accumulation.

Ideally, you shouldn’t pay your roofer upfront unless you’re special-ordering materials. However, anything between 10% and 15% of the project’s cost is reasonable to pay upfront. Avoid making a final payment until after the roof gets completed.

You should tarp a roof whenever roof damage occurs. Missing shingles and holes in your roof can cause roof leaks and problems that come with them. Tarping is a quick way to provide temporary roof protection while you wait for a professional roofer to make repairs.

Re-roofing is the process of placing a layer of shingles over top of existing shingles, rather than pulling out those shingles and replacing them. Compared to a full roof replacement, re-roofing typically costs less and requires less labor and time. It's not an option for everyone, though. You may need a full roof replacement if your roof already has more than one layer of shingles. A full replacement may also be necessary if your roof has extensive damage.

The Yatesville, PA homeowners’ guide to roofing services

From average costs to expert advice, get all the answers you need to get your job done.

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