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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.

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.

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.

There are advantages and disadvantages to metal roofs in cold climates. Metal roofing stands up extremely well to harsh winters as long as it is properly insulated. Snow and ice slide right off residential metal roofs, preventing the formation of ice dams; but because of this, they may require snow guards, which prevent the ice and snow that slide off a roof from causing a sort of "mini avalanche" that can damage property and people below.