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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.

A cool roof is any heat-reflecting roof that rejects solar energy more efficiently than traditional roofing (staying about 50 degrees cooler). Thanks to this ability, a cool roof will make your home cooler on a hot, sunny day. Cool roofs come in a variety of materials, including asphalt, wood, or polymer shingles, clay or concrete tiles, metal, and more.

A tarp can temporarily stop a roof leak, but how long the solution works heavily depends on the placement and size of the leak. While a tarp can be a temporary solution, it’s crucial to have a professional inspect and repair the leak as soon as possible to implement a permanent fix.

Yes, you should seal and cap an unused chimney to protect it from damage. Sealing the structure helps prevent moisture damage, which can lead to issues like cracks, spalling, efflorescence, and damaged mortar joints. Capping the chimney is also crucial to prevent blockages, damage from invasive critters, and downdrafts, while still allowing for proper air ventilation to manage moisture. For the best results, consult a chimney professional to select the right type of chimney or flue cap for your home. It's also wise to continue with annual chimney inspections to maintain the structure's integrity.