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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.

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 roofing offers durability, energy efficiency, and resistance to extreme weather conditions. It can reduce cooling costs, has a longer lifespan than traditional materials, and provides a sleek, modern appearance, adding value to a property.

The lifespan of a roof patch depends on which materials you use and the severity of the damage. Temporary solutions like tarps or plastic sheets last a few weeks to a few months, while roofing tape or caulk may hold up for a year or two. Permanent patches using roofing cement, flashing, or replacement shingles can last several years as long as they're properly maintained. Regular inspections and touch-ups can extend the patch’s lifespan, but eventually, a full repair or replacement would be needed.