Does Home Insurance Cover Chimney Damage?

Do you enjoy your fireplace but find yourself wondering, “Does home insurance cover chimney damage?” That is a great and crucial question. Chimney damage is covered under some but not all circumstances. Specifics follow based on standard home insurance policies. Of course, check your coverage to discover what you may need to do. One thing is sure. You’ll need a reliable chimney sweep company, and the one to call is Chimney Saver Solutions if you live in Richmond VA or the surrounding area.

When are Chimney Repairs Covered?

If a lightning strike causes chimney damage, homeowner’s insurance will most likely cover the cost of chimney repairs. There are various circumstances that could complicate this and a myriad of other possible scenarios. 

No Coverage if Chimney Maintenance is Neglected?

The cost of chimney maintenance isn’t covered by home insurance. However, maintenance of your chimney is required for you to make valid claims in case certain covered perils occur. 

• Suppose that a destructive chimney fire has occurred and, afterward, it is discovered that there had been an excess amount of creosote buildup in the chimney flue. The circumstances suggest that the chimney had been long neglected, and the damage will probably not be covered. 
• Even if, for example, a tree caused chimney damage, that damage may not be covered if the chimney had already been leaning. If, however, you are able to prove that you had taken steps to have the chimney repaired, home insurance may cover chimney restoration costs and other associated property damage.
• A standard home insurance policy would not typically cover a poorly maintained chimney or any damage that occurs because of a preventable issue.

Are Chimney Leaks Covered by Home Insurance?

When chimney leaks occur, repairs are usually covered by homeowner’s insurance if the leak is the result of damage from some outside force, such as a bad storm. If, however, it is found that the leak was a result of structural damage, a damaged flue liner, or general wear and tear, you may be stuck with repair costs.

Is a Chimney Collapse Covered by Insurance?

When a chimney collapses, most insurance companies find that it was a result of failing to make needed maintenance repairs. It is unlikely that your policy will cover the related damage. A leaning chimney will usually start with evidence of spalling, which means that bits of masonry debris can be seen around the chimney. 

Call the Chimney Experts to Help Ensure Home Insurance Coverage for Chimney Damage

The technicians at Chimney Saver Solutions are CSIA-certified. They are qualified to keep your chimney properly maintained. Call us to schedule annual chimney inspections and make necessary repairs. “Possibly” is the answer to, “Does home insurance cover chimney damage?” With us handling chimney crown damage, chimney cap installation, flashing repair, chimney liner replacement, chimney cleaning, and other chimney problems, you will have a good reason for greater peace of mind. Let us help to ensure that your home insurance will cover chimney damage when disaster strikes.

Schedule an appointment with us today by calling or filling out our online form.