We serve a 60 mile radius from our location in Jonesville, MI! Call us or stop in!

Gorton Chimney & Fireplace

Gorton Chimney & Fireplace Gorton Chimney & Fireplace Gorton Chimney & Fireplace

(517)-688-5278 or (517)-937-8817

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  • Education
    • Should I DIY?
    • Menard's/TSC Stores Scam
    • Cleanings & Inspections
    • Home Buying & chimneys
    • Insurance Co's & Chimneys
    • Chimney Fire Safety
    • How Your Chimney Works
    • smoke in your home?
    • Carbon Monoxide Dangers
    • Fireplace vs. Insert
    • Buyer's Guides
    • My remote doesn't work
    • Signs of Chimney Failure
    • Policies
  • More
    • Home/Contact Us
    • About Us
    • Services
    • The Process
    • Shop
      • Wood
      • Gas
      • Pellet
      • Coal & Oil
      • Electric
      • Vent-Free
      • Gas Logs
      • Mantels
      • Doors & Screens
      • Hearth Boards/Pads
      • Stone & Brick
      • Outdoor
      • Grills
      • Wood & Pellet Suppliers
      • Accessories
      • Custom Buildings
      • Artwork & Home Decor
    • Pricing
    • Our Work
    • Shopping Tools
      • Choosing A Fuel
      • Stone Visualizer
      • Stone Selector
      • Enviro Fireplace App
      • Enviro Fireplace Builder
      • Glass Door Measuring Form
      • Download Our Brochure
    • Education
      • Should I DIY?
      • Menard's/TSC Stores Scam
      • Cleanings & Inspections
      • Home Buying & chimneys
      • Insurance Co's & Chimneys
      • Chimney Fire Safety
      • How Your Chimney Works
      • smoke in your home?
      • Carbon Monoxide Dangers
      • Fireplace vs. Insert
      • Buyer's Guides
      • My remote doesn't work
      • Signs of Chimney Failure
      • Policies

Gorton Chimney & Fireplace

Gorton Chimney & Fireplace Gorton Chimney & Fireplace Gorton Chimney & Fireplace

(517)-688-5278 or (517)-937-8817

  • Home/Contact Us
  • About Us
  • Services
  • The Process
  • Shop
    • Wood
    • Gas
    • Pellet
    • Coal & Oil
    • Electric
    • Vent-Free
    • Gas Logs
    • Mantels
    • Doors & Screens
    • Hearth Boards/Pads
    • Stone & Brick
    • Outdoor
    • Grills
    • Wood & Pellet Suppliers
    • Accessories
    • Custom Buildings
    • Artwork & Home Decor
  • Pricing
  • Our Work
  • Shopping Tools
    • Choosing A Fuel
    • Stone Visualizer
    • Stone Selector
    • Enviro Fireplace App
    • Enviro Fireplace Builder
    • Glass Door Measuring Form
    • Download Our Brochure
  • Education
    • Should I DIY?
    • Menard's/TSC Stores Scam
    • Cleanings & Inspections
    • Home Buying & chimneys
    • Insurance Co's & Chimneys
    • Chimney Fire Safety
    • How Your Chimney Works
    • smoke in your home?
    • Carbon Monoxide Dangers
    • Fireplace vs. Insert
    • Buyer's Guides
    • My remote doesn't work
    • Signs of Chimney Failure
    • Policies

Insurance Companies & Chimneys

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.  

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:  

  1. Some types of Chimney Fires
  2. Trees and branches falling due to a storm
  3. Powerful winds
  4. Hail storms
  5. Lightning strikes
  6. Or any act of God

 Unexpected events such as these are not uncommon.  Most insurance policies don’t cover “expected” chimney damage .  

Chimney problems that will not be covered

 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: 

  1.  Fires caused by excess creosote in chimneys
  2. Cracked or broken chimney liners cause localized house fires
  3. Bricks and mortar are crumbling and deteriorating severely 
  4. A leaning chimney
  5. The chimney structure collapses in whole or partly
  6. Water damage from faulty masonry, chimney crowns, flashing and caps
  7. Acidic creosote buildup causes interior damage

Homeowners’ insurance companies will deny a claim for these or similar conditions if they can argue that they could or should have prevented them.  They call it "lack of maintenance" by homeowner.


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:  

  1.  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.  
  2.  Maintain a clean flue.
    The best way to prevent chimney fires and internal chimney damage is to have a professional chimney sweep remove flammable creosote annually.
  3.  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.  Also, your insurance company is going to ask you to produce an evaluation form or service report to them to prove you kept up on maintenance.


Contact Gorton Chimney & Fireplace today at 517-688-5278 to learn more or to schedule a service for your chimney.

Gorton Chimney & Fireplace

2951 E. Chicago Rd. Jonesville, MI 49250 US

(517)-688-5278 or (517)-937-8817

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