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Chimney Repair questions, answered by experts

Installing a metal roof will rarely affect your homeowner’s insurance policy in a negative way, and you might even get a discount on your premium for installing one, depending on your area. Metal roofs can reduce the risk of structural damage from heavy snow, and they stand up better to strong winds and impact, so homeowners in areas that see excessive snowfall or extreme weather may see savings on insurance premiums after installing a metal roof.

A 26-gauge metal roof panel can span between 4 and 8 feet, depending on a few factors. Local building codes dictate what’s appropriate for panel span, but these are normally based on expected snow loads. Additionally, the type of metal roof you choose will affect the maximum span, as corrugated metal is stronger than flat standing seam panels or a screw down roof and can often span greater distances.

Costs vary by repair scope, materials needed, and labor, with average repairs ranging from $300 to $1,000, contingent on roof size.

Copper roof strips offer better coverage and more damage protection than zinc roof strips. Although both deter moss and algae growth, copper also offers UV protection. Zinc strips require more strips than copper to cover the roof’s surface area, which means more holes in your roof. Copper strips are also more flexible and last longer than zinc strips.

You’ll be in the best position to negotiate a hail damage claim if you thoroughly document the damage the hail caused to your property, file a claim immediately, and seek legal advice. It’s a good idea to keep images of your non-damaged property; that way, you have something to compare the damage to. As with many things, talking with a legal representative is the best way to make sure your interests are protected.

The Paia, HI homeowners’ guide to chimney repairs

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