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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.

More and more insurance companies are writing torch down applications out of their liability insurance for contractors. If torch down is covered, they generally require a worker to stay on site for two hours after the last flame is extinguished.

For this reason, cold application modified bitumen—also known as “peel and stick”—is becoming more popular, and torch down is decreasing in popularity. Modified bitumen is taking its place, as it uses both hot and cold applications.

There are several signs that indicate you’ll need new underlayment. Clear signs include missing or damaged roofing and exposing the underlayment to the elements. Additionally, if you notice water damage in your home by the roof after a storm, it could indicate that your underlayment may need to be replaced. If your gutters aren’t draining properly, it could also lead to rotting or water damage to the underlayment.

If you need to replace the roof over your attached garage, a roofing contractor can perform what is called a partial roof replacement that only affects garage roofing. However, it's important to keep in mind that only replacing a portion of your roof creates a situation where your roofing has two different lifespans. You will also miss out on the opportunity for a full roof warranty. In some cases, having two different roofs on your home could increase risks for leaks. When replacing the roof on a detached garage, homeowners have the option to make the project bigger by upgrading their home roof alongside their garage roof. However, this isn't necessary if your home has a newer, properly functioning roof. It is better to try to match the new garage roof to your home's existing roof instead.