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Metal roofs are more resistant to hail than other types of roof materials; however, hail can still damage a metal roof. The extent of the damage depends on the size of the hail and the severity of the hail storm. The type of damage a metal roof can get from hail includes dents, scratches, loose fasteners, leaks, and cracked paint.

Yes, most insurance plans cover acts of nature. In policy documents, this also may be called “Acts of God” or “natural disasters.” However, not all acts of nature are covered by your policy, and the extent to which they’re covered depends on your specific contract. Check your policy documents to understand your coverage limits and exclusions.

Yes, installing snow guards is highly recommended for metal roofs, especially if you live in an area with moderate to heavy snowfall. Metal roofs have smooth, slick surfaces that offer little traction, which can cause large, heavy loads of snow and ice to slide off all at once in a dangerous "rooftop avalanche."

This sudden release of snow can cause serious injury to anyone below and damage personal property, such as cars or landscaping.

Snow guards act as a barrier, holding the snow on the roof so it can melt and slide off in smaller, more controlled amounts. While low-slope metal roofs in areas with very little snow might not strictly require them, installing snow guards is a valuable safety measure to protect your family and property.

Walking on the roof to clean gutters is unsafe and not recommended due to significant safety risks. It is especially dangerous on steep or slippery roofs, or if the roof is wet or covered in leaves, which increases the chance of a fall. In addition to personal injury, walking on the roof can damage shingles, potentially leading to water leaks. Instead of walking on the roof, use a sturdy ladder positioned on a stable surface to access the gutters. Be aware that using a ladder also carries risks, as it can be difficult to maintain balance while performing the work. You can also use ground-based cleaning tools. For safety reasons and to prevent damage to your roof, hiring a professional to clean your gutters is the best and safest option.