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Chimney Repair questions, answered by experts

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

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.

Metal roofs can rust, but steel is a material that holds up well to environmental factors, especially if it’s painted or galvanized. One of the main determining factors regarding rust is the environment the roof is in. Harsher environments with a lot of salt in the air will rust much more quickly than a steel or metal roof in a dry climate. Zinc-coated steel, called galvanized steel, is excellent at preventing rust from forming.

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.

Like any housing material, metal roofs have a unique list of pros and cons. On the cons side, metal roofs can suffer from expansion and contraction, which requires more attention to proper installation than for other roofing types. Also, the higher cost of metal roof installations is a barrier to some homeowners on a budget.

The Burke, SD homeowners’ guide to chimney repairs

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