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In the right conditions, a steel roof can easily last 50 years or more. However, your environment and maintenance play a large role in the lifespan of a steel roof. For example, if you live under a large tree that frequently drops limbs, your roof will last much less time. Metal roofs near the sea degrade faster as well due to salt in the air.

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.

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.

Metal roofing offers durability, energy efficiency, and resistance to extreme weather conditions. It can reduce cooling costs, has a longer lifespan than traditional materials, and provides a sleek, modern appearance, adding value to a property.