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Homeowners insurance sometimes covers roof decking, but it depends on the cause of damage and whether the decking was properly installed. If the roof decking was damaged by a severe storm, then it will likely be covered. Insurance may also pay for roof decking work if building codes require it. However, insurance won’t cover damage caused by normal wear and tear or poor maintenance practices.

You can install solar panels on a flat or pitched roof, but keep in mind that they will need to rest at a 30- to 50-degree tilt for optimal sun absorption. It costs more to install solar panels on a flat roof because you will need to install a framing system and likely hire a structural engineer. If your roof has a pitch of more than 40 degrees, it may not be a good candidate for solar panels.

The lifespan of a torch down roof depends on the number of layers installed. A single-ply system typically lasts between 10 and 15 years, while a multi-layer system with two or three layers can last from 15 to 25 years. Although a multi-layer option may be more expensive upfront, it provides a longer service life. Warranties often reflect this, with about 12 years for a one-ply system and 15 years for a two-ply system. For context, this lifespan is shorter than other common roofing materials like wood or asphalt shingles, which typically last 20 to 30 years, with high-quality versions lasting up to 50 years.

Generally, hailstones that are one inch in diameter or larger can cause significant damage to a roof. However, smaller hail can also cause damage, particularly when accompanied by strong winds, if it strikes an aging or poorly maintained roof, or if hailstorms are frequent in your area. Hail that is ¼ inch (pea-sized) or smaller poses a minimal risk of immediate, permanent damage, but cumulative impacts can cause deterioration over time. The extent of the damage also depends on the roofing material; hail-resistant tiles like slate or certain types of asphalt shingles can withstand impacts better than other materials. If you are concerned about potential damage after a storm, it is always a good idea to have a professional roofer conduct an inspection.