Most homeowners 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.
Most insurance carriers include coverage for “unexpected” events in their policies. You can’t control these things, but they do happen.
Unexpected damage to chimneys can be caused by:
Unexpected events such as these are not uncommon. Most insurance policies don’t cover “expected” chimney damage .
An insurance company assumes that you, the homeowner, will take precautions to prevent anything that might be considered “unnecessary” damage.
Our technicians inspect chimneys daily 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:
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 and they will not pay the claim. These claims can get into the high thousands! Take precautions now with a little bit of investment and your bank account will thank you later.