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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.

It’s a good idea to have a roof inspection once every two or three years to catch issues early and avoid major property damage. However, if you recently had a new roof installed, you can safely wait around five to ten years before scheduling an inspection, especially since your workmanship warranty should last about that long. You might also want to schedule more frequent or one-off roof inspections if you are buying or selling a home, if you have issues with leaks or visible damage, or if your homeowner’s insurance company requires an updated inspection.

An improper DIY roof cleaning could cause leaks by damaging the roofing material. Things like using too much water pressure on the shingles or applying a harsh cleaning solution could cause damage. If you do enough damage, you could harm the ability of the shingles or other roof materials to keep water out of your home.

You can tell if you have ridge vents by looking at the roof’s peak from outside. A ridge vent will look like a speed bump or slight rise away from the roof’s surface and will likely be covered in the same material as the rest of the roof. You can also tell from inside your attic—look up at the roof ridge to see if there is light coming through along the length of the ridge.