Homeowners who seal air leaks and add insulation save an average of 15% on heating and cooling costs, according to

Commercial roofs fail in slow motion — through a drain that stopped draining or a seam that opened after a hot July. Water and freezing damage is now the most common small-business insurance claim at $34,600 on average. Here are the six problems behind most flat roof failures in southeastern Indiana, and the specific maintenance step that prevents each one.