Get matched with top roofers in Harlingen, TX

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.

A chimney cap costs about $300 on average to install, with prices ranging from $75 to $1,000. The final cost depends on several factors, including the professional you hire, the accessibility of your chimney, the cap's material and size, whether any repairs are needed, and if it requires custom fabrication. Chimney caps are usually made from galvanized steel, stainless steel, or copper. Copper caps are the most expensive, followed by stainless steel and then galvanized steel. Excluding labor, average material costs are around $100 for galvanized steel, $250 for stainless steel, and $600 for copper. You may also face additional costs, such as hiring a chimney sweep to clean the chimney before the cap is installed.

A roof's lifespan can range from 15 to 200 years, with an average of 25 to 50 years, depending heavily on the material, quality of installation, maintenance, and local climate. Asphalt shingle roofs are common and typically last 15 to 30 years; three-tab shingles have a lifespan of about 20 years, while architectural shingles can last up to 30. More durable materials have longer lifespans: metal roofs last 30 to 100 years, clay and concrete can last 50 to 100 years, and slate roofs can last up to 200 years with proper care. Regular maintenance, such as cleaning gutters and replacing damaged shingles, is crucial for extending the life of any roof.

Roofing estimates and inspections are not the same thing. Roofing inspections (whether done with a drone or by the traditional method) help you find any damage or defects on a roof. You will pay a set fee for a roofing inspection and use it to get certification or to determine whether repair or replacement is necessary. Beware of unsolicited contractors coming to your home and offering a so-called free roof inspection—these are often scams.

Roofing estimates, on the other hand, are typically free and offered by a roofing company hoping to earn your business. Some roofing estimates are performed with drones, while other companies will still opt to send people up onto the roof. Either way, the estimate is for roof repair or replacement costs the company wants you to hire them for.