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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.

Steel roofs are noisier than slate or asphalt tiles but less noisy than aluminum and other types of metal roofing. While some find the sound pleasant, others may want a quieter roof. To reduce noise in your living area, you can install thicker underlayment or add insulation or even acoustic tiles between the roof and the house.

The biggest complaint most homeowners have when it comes to metal roods is this material’s susceptibility to noise, particularly during heavy rain or hail. While some people appreciate the sound, others find it disruptive. Additionally, metal roofs can dent from impacts and may require regular inspections to ensure fasteners remain secure over time.

There are advantages and disadvantages to metal roofs in cold climates. Metal roofing stands up extremely well to harsh winters as long as it is properly insulated. Snow and ice slide right off residential metal roofs, preventing the formation of ice dams; but because of this, they may require snow guards, which prevent the ice and snow that slide off a roof from causing a sort of "mini avalanche" that can damage property and people below.