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Chimney Repair questions, answered by experts

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.

If you just need to make a few fixes to your roof, roof repair costs around $940. Common roof repairs include gutter cleaning and repair, fixing cracked flashing, and replacing broken or missing shingles.

Copper roofs last an average of around 100 years, making it one of the longest-lasting types of roofs. It’s significantly more expensive than an asphalt shingle roof, but it also lasts three to four times as long, providing great value for the money. You can extend the life of your copper roof by carrying out routine maintenance, like scheduling annual cleaning and roof inspections.

While it’s less common than on other kinds of roofs, yes, ice dams can form on metal roofs. Metal roofs, particularly those with snow guards installed, can still accumulate ice at the roof edge, although ice dams on metal roofs are less likely to cause roof or interior damage than on traditional asphalt shingle roofs.

24-gauge metal is thicker and will stand up better to impact, so it’s a better option for roofs that will see heavy snow and ice accumulation, hail storms, fallen tree debris, and blown debris. It’s a more expensive option, but it’s worth the added cost for roof longevity in extreme climates. If you live in a more moderate climate and don’t have trees overhanging your roof, 26-gauge metal is suitable and is a more affordable option.

The Huron, SD homeowners’ guide to chimney repairs

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