Moss does not eat through roofing material. Research summarized by the Oregon State University Extension Service explains that moss traps soil and debris and holds moisture against the surface, keeping a roof wet far longer than it should be — prolonged wetness that invites fungi, speeds decomposition, and shortens roof life. On asphalt and metal roofs, growing moss can also lift shingle edges and let water reach the layers underneath.
Two details matter more in Portland than almost anywhere else. Shade feeds moss, so thinning overhanging fir and maple limbs does more for long-term control than any single cleaning. And zinc-sulfate moss products corrode copper — a home with copper gutters, downspouts, or flashing needs a different treatment entirely, which is why the product choice belongs with a company that also handles gutters and gutter protection.