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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.

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.

Zinc roofs can last over 100 years under ideal conditions. While metal roofs last a long time, only copper roofing is comparable to zinc's longevity. Zinc roofing develops a patina over time, turning from dark shades to lighter ones. The material, or at least the patina coating, is somewhat self-healing by filling in small gaps and scratches on its own.  

The green coloration that develops on copper roofs is called a “patina,” and it’s a result of mild oxidation on the surface. The oxidation process is not harmful to your roof. In fact, the surface corrosion acts as a protective layer and won’t spread to the core of your copper roof materials. The discoloration will progress much more quickly in damp or humid climates than it will in dry climates. If you don’t like the green color, you can seal your roof to preserve the shiny, rose-gold look.