
I am sorry to hear this. Based upon what you're saying, I'd say things need to be replaced. Homeowners insurance might be willing to help. I am sorry.
Too vague to know for sure.
In my culture, our traditional metal roofs last hundreds of years in ice and snow.
We can start to assess the issue by first learning what type of metal, seam method, joinery method (modern techniques which rely on sealants vs. traditional roof tailoring and folding)
One of the benefits of any standing seam system is the ability to make reapairs in kind without disrupting the rest of the roof.
That said if its failing like that, there is more than likely a design or install failure.
Post photos and be me descriptive and we can give you better advice.
Regardless, the foolproof way to do it, is do it the trad roofing way. Like I said, in our culture we build permanent metal roofing out of raw coil and hand tools instead of realying on sealants and modern unproven techniques we use the same methods which gave us great roofs that our ancenstors did so well, which some we still have to enjoy!
A few days after a major snow event - 18 inches plus - all the snow, which included a layer of ice caused by freezing rain early in the storm, cascaded off my house at once. Several panels have been displaced by several inches, actually sliding down and now stick out. Upon inspection, a roofer discovered that at the peak of the roof, many panels are now torn, some just a quarter or half inch, while those that obviously slipped have a tear of several inches, as the sudden release of all the snow caused the pans to rip where they were fixed by fasteners below the roof ridge - the fasteners held, but the roof panels did not. Fortunately, the membrane underneath is intact and for now there is no water damage. The roofer says the entire roof now needs to be replaced. Thoughts?