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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.

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.

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.

In many areas, chimney repair companies need to be licensed, but it depends on your state and local municipality. You can check with your local building department to see if companies need licenses, and then you can use Angi’s license lookup tool to confirm that the company you’re considering holds the proper license. It’s a good idea to confirm that the professional is fully insured, and you can ask about certification from organizations like the Chimney Safety Institute of America (CSIA). These certifications aren’t mandatory, but they help ensure a professional repair.