Insurance Claims For Chimney Damage
When dealing with chimney repairs, understanding your insurance coverage is essential. Homeowner’s insurance generally only covers damage caused by sudden, unexpected events, while issues stemming from lack of maintenance or gradual deterioration are often excluded.
Advanced Chimney Sweep works throughout Greenville, SC, and Spartanburg, SC, as well as in Five Forks, Simpsonville, Boiling, Duncan, Boiling Springs, and other South Carolina cities and towns in Greenville and Spartanburg counties.
What Will Homeowners Insurance Cover?
Every insurance policy is different, so ensure that you read yours carefully to understand which chimney repair services it covers. 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
At Advanced Chimney Sweep, we handle many chimney repair jobs, and it’s clear that the single biggest cause of damage is neglect. While chimneys are built tough, they still need regular maintenance to last. Here are some of the issues we commonly find that result from a lack of upkeep:
- Deteriorated Masonry
- Rusted Chase Covers & Caps
- Cracks In Chimney Crowns
- Damaged Flashing
The good news? All of these serious problems are preventable with routine inspections, cleanings, and timely repairs. Keep in mind that your insurance provider expects you to keep your chimney maintained and neglecting it could jeopardize coverage when major damage does occur,
Second Opinion for Chimney Insurance Claims
If you’re dealing with a chimney issue tied to a homeowner’s insurance claim, don’t settle for just one assessment. Getting a qualified second opinion is a smart move.
Advanced Chimney Sweep is here to help with all your chimney cleaning, inspection, and repair needs. We know how to solve problems early and keep disasters from happening. Learn more by giving us a call or reaching out with our simple contact form.