What Kind of Chimney Repairs Will Homeowner’s Insurance Cover?
Most homeowner’s insurance policies cover chimney repairs – depending on the cause. There is a difference between coverable problems and those that a homeowner will have to pay for.
Insurance-Covered Chimney Problems
It is common for insurance carriers to include coverage for “unexpected” events in their policies. You can’t control these things, but they do happen.
Damage to chimneys can be caused by:
- Some types of chimney fires
- Trees and branches falling due to a storm
- Powerful winds
- Hail storms
- Lightning strikes
Unexpected events such as these are not uncommon.
Most insurance policies don’t cover “expected” chimney damage
An insurance company assumes that you, the homeowner, will take precautions to prevent anything that might be considered “unnecessary” damage.
The chimney repair crews at our company inspect chimneys regularly and find various types of damage that the homeowner could have avoided if they had taken proper steps. Neglecting your chimney can result in the following damage:
- Fires caused by excess creosote in chimneys
- Cracked or broken chimney liners cause localized house fires
- Bricks and mortar are crumbling and deteriorating severely
- A leaning chimney
- The chimney structure collapses in whole or in part
- Water damage from faulty masonry, chimney crowns, chimney flashings and chimney caps
- Acidic creosote buildup causes interior damage
Homeowners’ insurance carriers may deny a claim for these or similar conditions if they can argue that they could or should have prevented them.
Chimney damage can be prevented in many ways
The purpose of insurance is to protect you from unexpected events. It’s impossible to prevent all of these occurrences, but you can certainly prevent chimney damage from neglect.
Start taking these steps today:
- Keep your chimney in good shape by having it repaired when necessary
Minor repairs will not resolve themselves if put off. Let us look at your chimney to see if it’s damaged or malfunctioning. We can perform repairs and get it back to normal.
- Maintain a clean flue
The best way to prevent chimney fires and internal chimney damage is to have a certified chimney sweep remove flammable creosote annually.
- Maintain a yearly chimney inspection schedule
If you conduct a basic chimney inspection each year, you’ll be alerted to early signs of trouble that could become major and dangerous later.