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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.

Most standing seam metal roofs last between 50 and 80 years. Certain high-end metals like copper or zinc can last up to 100 years if well-maintained. For the best durability, choose a low-gauge (thick) roof in a metal that works with your climate. Some are susceptible to thermal expansion and aren’t the best choice for all climates.

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 two main issues with metal roofs: the up-front cost and how noisy they can be when it rains. Metal roofs cost close to twice as much as asphalt roofs per square foot, and although you also get more than double the lifespan and more value from them, the initial cost is higher. Metal roofs can also create noise in your living space when it rains, so some homeowners install acoustic panels or insulation under them to reduce noisiness.