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You can put new shingles over old shingles, but most municipalities only allow for two layers of shingles before you have to rip off the old roof and start fresh. In some areas, only a single layer of shingles is allowed due to the weight a bundle of shingles adds to your structure. In most cases, it’s a good idea to remove your old shingles before you install new shingles, especially if you suspect that a roof leak may have compromised the decking underneath.

While the terms of individual home insurance policies vary, most premiums won't increase if it's been a long time since a homeowner has filed a claim. However, more frequent claims will lead to a higher homeowners insurance premium. Other factors that influence whether your premium will increase include your claim history and the type of damage in the claim.

Shingle damage comes in many forms, and the damage usually depends on the wind speed and the shape of the roof before the winds. Typically, when shingles are damaged by wind, they become torn, creased, or detached from the roof. Some might go missing entirely. More extensive roof damage might occur if a tree branch or other debris has fallen onto the roof as a result of the windstorm.

The minimum recommended slope for a porch roof is 1/4:12, which means 1/4-inch of rise every 12 inches of run. Slopes of 3:12 and 4:12 are more common and provide faster drainage for runoff. Make sure to choose a pitch that’s appropriate both for the climate in your area and the type of roof material you install. Hire a roofer if you need help determining what the right roof pitch is.