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Asphalt shingle roofs are more likely to leak than metal roofs because they are more prone to uplift and damage from extreme weather, moss growth, and ice dams. Asphalt shingles also lose shingle grit over time, which decreases their waterproofing qualities. Metal is a more resilient material that will stand up better to strong winds and heavy precipitation, ultimately leading to a lower risk of leaking. As such, metal roofs add to home value with a higher ROI than asphalt roofs in most cases.

There are advantages and disadvantages to metal roofs in cold climates. Metal roofing stands up extremely well to harsh winters as long as it is properly insulated. Snow and ice slide right off residential metal roofs, preventing the formation of ice dams; but because of this, they may require snow guards, which prevent the ice and snow that slide off a roof from causing a sort of "mini avalanche" that can damage property and people below.

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.

Moss grows in dark areas of roofs, including in corners and gutters. If left alone, it can grow under roofing and cause permanent damage. Here’s how to remove moss from metal roofs: 

• Soak the moss to soften it

• Scrub it away with a soft-bristled brush, or pick it off with your hands (be sure to wear gloves)

• Use a moss remover that’s compatible with metal roofing, following the manufacturer’s directions

• Remove dead moss and rinse the roof thoroughly

• Prevent future moss growth by trimming branches, cleaning gutters, and attaching zinc strips to moss-prone areas