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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.

In many areas, chimney repair companies need to be licensed, but it depends on your state and local municipality. You can check with your local building department to see if companies need licenses, and then you can use Angi’s license lookup tool to confirm that the company you’re considering holds the proper license. It’s a good idea to confirm that the professional is fully insured, and you can ask about certification from organizations like the Chimney Safety Institute of America (CSIA). These certifications aren’t mandatory, but they help ensure a professional repair.

Sticky shoes help, but you shouldn't be walking on the steel roof— let the pros do that. it's dangerous enough to walk on asphalt shingled roofs which have quite a bit of texture. Stone coating adds a lot of grip, but it still doesn't lock your foot down, so if you absolutely have to be on the roof, make sure you’re secured in another way, like with the harness and rope.

24-gauge metal is thicker and will stand up better to impact, so it’s a better option for roofs that will see heavy snow and ice accumulation, hail storms, fallen tree debris, and blown debris. It’s a more expensive option, but it’s worth the added cost for roof longevity in extreme climates. If you live in a more moderate climate and don’t have trees overhanging your roof, 26-gauge metal is suitable and is a more affordable option.