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Homeowners insurance may cover the cost to tarp a roof if the type of damage falls within your coverage. For example, roof damage caused by a natural disaster may fall within your plan, and the cost of a temporary tarp may be incorporated. In general, however, simply tarping your roof for renovations will often not fall under insurance coverage.

A spray foam roof lasts 20 to 30 years if installed and maintained correctly. Spray foam roofs should be recoated every 10 to 15 years to maintain the UV protection and waterproof surface of the foam material. The longevity of spray foam roofing will depend on the thickness and density of the foam, the protective coating, and how well it’s maintained.

The cost to replace a roof averages around $9,200, and most people pay between $6,000 and $15,000. The size of your roof plays a major role in the total cost, but the most significant factor is whether you need new shingles placed over your old roof or a full replacement. The former is possible until you have three layers of roofing on your home, and it’s more affordable. A full replacement involves ripping off old layers of shingles, sometimes repairing the sheathing, and then laying down a new roof, which is the most expensive project.

You’re going to need a permit for nearly every roof-raising project. This is a very important step as the work you’re doing has serious safety considerations. Professionals are the ones to handle this type of work—including sourcing the permits—as they have the expertise required to perform the work safely. Insurance and warranty are usually voided if you do this work without a permit and you may even be required to halt construction and tear it down as a penalty for working without a building permit.