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Chimney Repair questions, answered by experts

The paint on a metal roof will last for about 10 years (the metal roof itself has a life span of 40 to 70 years). After a decade, the metal roof’s color may be more noticeably faded, and chips and cracks may start to form in the paint.

The lifespan of a roof patch depends on which materials you use and the severity of the damage. Temporary solutions like tarps or plastic sheets last a few weeks to a few months, while roofing tape or caulk may hold up for a year or two. Permanent patches using roofing cement, flashing, or replacement shingles can last several years as long as they're properly maintained. Regular inspections and touch-ups can extend the patch’s lifespan, but eventually, a full repair or replacement would be needed.

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.

Regular cleaning, rust prevention treatments, and protective coatings extend lifespan and appearance.

Homeowners insurance may cover the cost to tarp a roof if the type of damage falls within your coverage. For example, roof damage caused by a natural disaster may fall within your plan, and the cost of a temporary tarp may be incorporated. In general, however, simply tarping your roof for renovations will often not fall under insurance coverage.

The Anna, IL homeowners’ guide to chimney repairs

From average costs to expert advice, get all the answers you need to get your job done.