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Regular cleaning, inspecting for peeling or rust, and reapplying coatings every 8-12 years helps maintain durability.

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 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.

Moss grows in dark areas of roofs, including in corners and gutters. If left alone, it can grow under roofing and cause permanent damage. Here’s how to remove moss from metal roofs: 

• Soak the moss to soften it

• Scrub it away with a soft-bristled brush, or pick it off with your hands (be sure to wear gloves)

• Use a moss remover that’s compatible with metal roofing, following the manufacturer’s directions

• Remove dead moss and rinse the roof thoroughly

• Prevent future moss growth by trimming branches, cleaning gutters, and attaching zinc strips to moss-prone areas