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Chimney Repair questions, answered by experts

Metal roofs have a reputation for being very noisy, but with proper installation and adequate installation, metal roofs aren’t much noisier than shingle roofs. Some types and gauges of metal roofing provide more sound dampening, and added insulation or a thicker underlayment can also help muffle noise.

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.

While there are many benefits to installing a metal roof on your home, there are some downsides, too. Zinc roofs, in particular, are susceptible to corrosion from overly salty air directly near coastal areas. Another potential downside of zinc roofing is that it must be allowed to expand and contract with the weather. This means special attention is necessary to how it's fastened to the home to avoid issues. 

The actual construction time required to repair your roof may only be a few hours, but it could also be a couple of days for extensive repairs or a large roof. But you may find yourself having to wait weeks for the insurance claim to go through, including having the adjuster visit your home and make their report. After your claim has been approved, there may be a wait time for roofing materials or to find time on a contractor's schedule.

The cost to repair or replace chimney lashing varies based on the extent of the damage, the materials, and the work needed. In general, chimney flashing repair costs between $400 and $1,600.

The Ocean View, HI homeowners’ guide to chimney repairs

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