Insurance Claims
Homeowner’s insurance generally is set up to cover damage from what the carrier refers to as “Sudden Occurrence” events. Maintenance Items on the other hand, usually won’t be covered. Here are some things to know about chimney damage and insurance claims.
What Will Homeowners Insurance Cover?
To learn exactly what your carrier will cover and what it won’t, read your policy or speak with a representative. Here is a basic list of things that can cause damage to a chimney that typically will be included in homeowner’s insurance coverage:
- Lightning strikes
- Hail storms
- Earthquakes
- Chimney Fires
- Trees and branches falling during a storm
- High Winds
Common Reasons Insurance Providers Won’t Cover Chimney Damage
Advanced Chimney Sweep performs a lot of chimney repair projects, and we find that one of the most common reasons chimneys suffer damage is because of neglect.
As strong as chimneys are, they won’t last forever without regular maintenance. Some issues we find that were the result of neglect include:
- Crumbling bricks and mortar
- Deteriorated Masonry From Years Of Water Absorption
- Water Leaks From Rusted Chase Covers
- Cracks In Chimney Crowns
- Damaged Flashing Or Flashing Sealant
These and many other serious problems can be prevented with regular inspections, cleaning and repairs. Your insurance provider expects you to keep your chimney reasonably maintained in order to avoid this kind of damage.
2 Steps to Keep Your Chimney in Great Shape
1. Have your chimney professionally cleaned and inspected once a year
Advanced Chimney Sweep technicians have the tools and hands-on training to safely inspect and remove flammable creosote from your chimney flue. This greatly reduces the chance of a chimney fire. A chimney inspection will tell you if there are early signs of structural damage or malfunction. Our licensed inspectors perform both visual and camera chimney inspections.
2. Arrange for repairs to be made right away
Don't wait to fix chimney problems. As soon as you or your inspector notices an issue, schedule the repair work immediately to stop further deterioration and avoid expensive future damage.
Get a Second Opinion
If you’re dealing with a chimney issue for a homeowner’s insurance claim, our team is happy to provide you with a second opinion. Get in touch with a chimney expert for chimney repairs, inspections and cleanings. We’re here to help all year long.
Advanced Chimney Sweep serves the CSRA (Central Augusta River Area) and the South Carolina Midlands region, including Augusta GA, Martinez GA, Evans GA, Dearing GA, Hephzibah GA, Lexington SC, Columbia SC, Orangeburg SC, Aiken SC and all areas in between.