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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.

Sticky shoes help, but you shouldn't be walking on the steel roof— let the pros do that. it's dangerous enough to walk on asphalt shingled roofs which have quite a bit of texture. Stone coating adds a lot of grip, but it still doesn't lock your foot down, so if you absolutely have to be on the roof, make sure you’re secured in another way, like with the harness and rope.

Repairs typically take 1-2 days, though extensive damage or structural work can extend project timelines.

Yes, a drip edge is necessary on a metal roof, according to the International Residential Code (IRC). Drip edge flashing prevents water from dripping onto and behind your fascia board, which prevents the board from rotting and reduces the risk of water damage behind it. On gable ends, you can either install drip edge flashing or gable-end flashing to avoid the same issues.

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.

The Dallas, TX homeowners’ guide to chimney repairs

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