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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.

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.

Metal roofs have an excellent reputation for longevity. Including aluminum roofing, you can expect a metal roof to last between 40 and 80 years under normal conditions and with proper maintenance. That longevity can shorten in areas where salty air is a concern and not accounted for during installation to provide additional material protections. 

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.