Is Chimney Repair Covered by Homeowners Insurance?
Home insurance coverage can differ from one policy to the next. If you have a fireplace, it is good to ask: is chimney repair covered by homeowners’ insurance? Chimneys are prone to deteriorate, and many issues can affect chimney safety. The following provides insights on types of chimney damage that can often be covered by homeowners’ insurance and others that typically do not have coverage.
A Chimney Fire
Most homeowners’ insurance companies categorize chimney fires as sudden or unexpected events. This could mean that if a chimney fire causes damage to your home, homeowners’ insurance may cover the cost of repairs.
Caution, however! Home repairs are not covered if a chimney fire results from poor chimney maintenance or negligence in scheduling chimney repairs. A clear record of routine chimney maintenance should prevent your being stuck with repair costs resulting from a chimney fire.
Also, though, make sure that the answer is yes to the question: is chimney repair covered by my homeowner’s insurance after a chimney fire?
A Lightning Strike
If a lightning strike causes your chimney structure to lose bricks, lean, or collapse, a standard homeowner’s insurance policy may cover the damage. The challenge with this type of claim may be proving that lightning was the cause as opposed to a structural problem or instability of the chimney masonry. Homeowner’s insurance does not typically cover structural defects in a chimney.
Damage Caused by a Tree Limb
High winds can damage chimney caps, but wind damage is not typically covered by a homeowner’s insurance policy. If, on the other hand, a chimney cap is struck and damaged by a tree limb, you could make a valid claim. But it would likely be such a small claim that you might be better off handling the cost yourself. It is possible for a homeowner’s insurance policy to be canceled after a claim as small as $200 in damages has been paid.
A Chimney Leak
Chimney leaks are among the most common reasons homeowners need chimney repair services. Whether or not the cost involved with repairing damage caused by a chimney leak is covered by insurance depends on the circumstances. Chimney leaks are usually a result of moisture intrusion, which is a common occurrence. If there is evidence that a chimney water leak has occurred due to damage caused by a bad storm, however, your homeowner’s insurance policy may cover expenses associated with the chimney leak.
Moisture Damage
If chimney repair is needed because of moisture damage, no, it will not typically be covered by insurance. The test is often whether an event is sudden. Moisture intrusion is the leading reason chimney masonry repairs become necessary. However, it is damage caused by normal wear and tear.
Chimney Maintenance and Repair in GA-SC
Is chimney repair covered by homeowners’ insurance at your home? If you are not sure, review your policy and contact the insurance company with your questions. Contact Advanced Chimney Sweep to schedule routine chimney services, masonry repairs, fireplace installation, chimney waterproofing, certified chimney inspections, chimney cleaning, and more.
Our ongoing services can help to validate a future claim on home damage related to your chimney or fireplace. Advanced Chimney Sweep serves the CSRA and South Carolina Midlands region, including Gaston, SC; Batesburg-Leesville, SC; Martinez, GA; and Augusta, GA. Call us today at (706) 833-4630 or (803) 508-3990 or schedule an appointment by filling out our contact form.
