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Yes, removing a chimney is a difficult and major undertaking. Chimneys often provide structural support to a home, so if it's a load-bearing structure, you'll need to take extra precautions to maintain your home's integrity. A project of this complexity typically requires a structural engineer, a masonry contractor, and a demolition crew. The removal process may involve taking the chimney out brick by brick from inside the walls. The cost for chimney removal can range from $2,000 to $10,000, depending on the job's complexity. Due to the difficulty and cost, some homeowners opt to remove the fireplace and seal the chimney at the top and bottom, sometimes also removing the visible exterior portion at the roofline.

Metal roofs do not inherently leak more than shingle roofs; when properly installed, they are generally less likely to leak. Asphalt shingle roofs are more susceptible to leaks due to factors like wind uplift, damage from extreme weather, moss growth, and ice dams. Over time, asphalt shingles also lose their protective grit, which reduces their waterproofing capabilities. In contrast, metal is a more resilient material that stands up better to heavy precipitation and high winds. However, metal roofs can develop leaks if they are poorly installed, have improperly sealed fasteners, or experience issues from thermal expansion. For this reason, professional installation and regular maintenance are crucial to ensure a metal roof's longevity and superior protection against leaks.

Your homeowners insurance premium may increase if you file a roof claim. Whether your rate goes up, and by how much, depends on several factors. These include your insurance company's policies, your personal claim history, the size of the current claim, and the type of damage. While a single claim after a long period without any may not trigger an increase, frequent claims are more likely to raise your premium. Additionally, insurers might increase rates at renewal due to external factors like changing weather patterns, which are beyond your control.

Thatched roofs last for between 30 and 50 years in most cases, which is longer than most asphalt roofs. However, getting that life span from your thatched roof requires more maintenance than you’d need for most other materials, including fireproofing, brushing, cleaning, and rethatching as the material gets worn down. You’ll also need routine inspections to ensure you’re not at risk of leaks.