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Hail damage to a roof looks different depending on the type of roof. On asphalt roofs, you’ll likely see dark circles on the impact sites of the larger pieces of hail, and you may see small cracks in the surrounding shingles. Hail damage is easiest to spot on a metal roof, as you’ll notice dings and dents where the hail was severe enough to cause damage. Whether you notice signs of hail damage or not, it’s best to have a hail damage repair company inspect your roof after a major storm to assess the damage.

Homeowners insurance may pay for chimney repair if the damage type is covered under your policy, such as lightning strikes, heavy storm damage, fallen trees, and unexpected chimney fires. However, if a fire or other damage is caused by poor or improper maintenance, a standard homeowners insurance policy won't cover repairs.

The first thing to ensure is you are hiring an approved contractor to repair your roof so your insurance can cover the cost. As always, shop around until you have a handful of quotes so that you get the best quality for the price you’re paying.

When researching a roof repair contractor to repair hail damage, first ask if they’re licensed, bonded, and insured, as this protects you and your property. Always check upfront fees, availability, turnaround, and cost or discounts. Finally, I always look up their reviews to make sure other people who have done similar projects have had great results.

A metal roof will last for an average of around 50 years—usually between 40 and 75 years—which is about double the lifespan of an asphalt roof—between 15 and 30 years or 25 years on average. Installing a metal roof is usually more expensive than an asphalt roof, with an average cost of $11,400 compared to the $9,200 for an asphalt roof. However, given that a metal roof costs about 20% more and lasts twice as long, it’s typically well worth the investment and should save you money in the long run.