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Chimney Repair questions, answered by experts

Metal roofs don’t inherently leak more than shingles, and when properly installed, they can actually offer greater protection against leaks. However, poor installation, improperly sealed fasteners, or thermal expansion issues can lead to leaks over time, so professional installation and regular maintenance are crucial.

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.

Installing a metal roof will rarely affect your homeowner’s insurance policy in a negative way, and you might even get a discount on your premium for installing one, depending on your area. Metal roofs can reduce the risk of structural damage from heavy snow, and they stand up better to strong winds and impact, so homeowners in areas that see excessive snowfall or extreme weather may see savings on insurance premiums after installing a metal roof.

In the right conditions, a steel roof can easily last 50 years or more. However, your environment and maintenance play a large role in the lifespan of a steel roof. For example, if you live under a large tree that frequently drops limbs, your roof will last much less time. Metal roofs near the sea degrade faster as well due to salt in the air.

The Cotulla, TX homeowners’ guide to chimney repairs

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  • 🌱 "Mow a small front yard"
  • 🛠 "Fix a leaking pipe under the sink"
  • 🏠 "Repair shingles on an asphalt roof"