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You can install a spray foam roof over shingles, but it may compromise the roof’s protective qualities or shorten its lifespan. Before installing a new roof, ask a qualified roofer if your existing roof needs to be removed before installing a spray foam roof so you ensure your home has quality, long-lasting protection. 

Underlayment exists under your tile roof. It helps protect your home by acting as a secondary water barrier. Often, when roof tiles fall off, underlayment that's in good condition can temporarily keep water from getting into the home. However, immediate replacement of missing tiles is crucial to avoid additional roof damage. 

Homeowners insurance typically covers roof repairs or replacement if the damage is caused by a sudden, accidental event or a covered peril, such as a storm, wind, hail, fire, or a falling tree. However, insurance will not cover repairs or replacement for issues stemming from a lack of maintenance, normal wear and tear, or a roof that is simply old and at the end of its lifespan. If a leak or damage occurs due to neglect, you will likely have to pay for repairs out of pocket.

Properly installed chimney flashing can last anywhere from 15 to 50 years. However, flashing generally only needs to be replaced when it is damaged, corroded, or no longer creates a watertight seal. Several factors influence its longevity, including the material type, quality of installation, and local climate. For example, copper flashing tends to last longer than galvanized steel. Large storms and extreme weather can also damage flashing, potentially requiring earlier replacement. To ensure its longevity, it is recommended to have your chimney and roof inspected annually. A professional can assess the flashing's condition and recommend any necessary repairs.