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Chimney Repair questions, answered by experts

Yes, most standard policies include storm damage repairs. Your policy may cover some or all of the repairs. The first thing to do after a storm is contact your home insurance agent. If you get any work done before the adjuster arrives, such as covering holes in your roof or windows, keep those receipts for reimbursement.

Maintaining repaired areas involves regular cleaning, ensuring protective coatings are intact, and inspecting for signs of rust or wear that need to be addressed.

Metal shake roofs can last 50 to 75 years or more when properly maintained, compared to 20 to 40 years for a traditional asphalt shingle roof. Be sure to promptly repair damage and keep up with gutter maintenance to help extend the life of your metal roof.

Asphalt shingle roofs are more likely to leak than metal roofs because they are more prone to uplift and damage from extreme weather, moss growth, and ice dams. Asphalt shingles also lose shingle grit over time, which decreases their waterproofing qualities. Metal is a more resilient material that will stand up better to strong winds and heavy precipitation, ultimately leading to a lower risk of leaking. As such, metal roofs add to home value with a higher ROI than asphalt roofs in most cases.

The cost to replace the chimney crown or top is about $1,550 on average. The range varies widely depending on the size of the chimney, the materials used, accessibility, and the extent of the damage. If you suspect a problem with your chimney top, call a professional masonry contractor for an inspection. 

The Big Stone City, SD homeowners’ guide to chimney repairs

From average costs to expert advice, get all the answers you need to get your job done.