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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.

Salt is corrosive to metal, and when it’s mixed with air and water, that corrosion increases. While this compound can cause your car to rust, it takes years to cause damage. However, once you see rust, it’s probably well advanced. Winterize your car and avoid driving before or immediately after ice storms to reduce rock salt effects.

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.

On average, a roof lasts 30 years—depending on the material. Metal roofs can last up to 70 years, while zinc, specifically, can last well over 100 years. These roofs can reach their intended life span with maintenance that includes seasonal gutter cleaning, pruning nearby trees to avoid damage, and routine inspections every year.