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No, cool roofs are not suitable for all climates. Cool roofs are very good at reflecting solar heat, so they’re suitable for homes in warm or hot climates. However, they’re not good at retaining heat, so they’re not suitable for homes in cold climates.

Chimney caps have a solid top but perforated sides so smoke can exit safely. If rain or snow falls downward, chimney caps can protect the chimney’s interior. Just note that if rain or snow blows in sideways, there’s a higher likelihood it will enter the chimney—but it's not often a cause for concern as long as you have a cap.

EPDM roofs have a few common problems, most of which can be resolved with regular maintenance. This type of roofing is laid down in sheets with seams, which can be a starting point for leaks. Proper installation and roof sealing can often avoid seam issues. 

The material is also susceptible to tears and punctures from falling branches or other sharp objects. There are black and white versions of EPDM, and the black version is more prone to fade and succumb to UV damage. Regular roof inspections can protect the costs of rubber roof installation and extend the life of your roof.

Homeowners insurance may cover the cost to tarp a roof if the type of damage falls within your coverage. For example, roof damage caused by a natural disaster may fall within your plan, and the cost of a temporary tarp may be incorporated. In general, however, simply tarping your roof for renovations will often not fall under insurance coverage.