Does Homeowners Insurance Cover Chimney Repairs?

Does Homeowners Insurance Cover Chimney Repairs?

There are several manners in which chimneys become damaged. Some undergo wear and tear over the years, especially when they are not adequately maintained. Others are damaged by natural disasters, such as fires, being struck by lightning, or by having a tree fall on them during a storm. Our team often receives calls requesting chimney repairs. Many clients ask if homeowners insurance covers chimney repairs. Today, we’ll answer that question and give advice on how to avoid chimney damage.

Are you looking for Greater Boston, MA area chimney repairs? Best Chimney Services is here to help! Our repair services include smoke problems, chimney leaks, and smoke chamber repair. We also perform chimney rebuilds among our many other chimney services. Click here or call (781) 893-6611 to get in touch with our team!

Now, we’ll discuss whether or not homeowners insurance covers chimney repairs.

fireDoes Homeowners Insurance Cover Chimney Repairs?

The answer to this question is, “it depends!” The best source of information is your homeowner insurance company, so we recommend starting by making that phone call.

Generally, homeowners insurance covers chimney damage if it is caused by a natural disaster that is outside of your control, or even an accident such as a fire. Again, the best source of information for your insurance questions is your insurance company.

Homeowners insurance usually does not cover chimney damage resulting in wear and tear, however. The good news is that damage caused by natural wear and tear is preventable if you maintain your chimney.

How to Prevent Damaged Caused by Wear and Tear

Here are some short term steps that you can take to avoid costly damage down the road.

Get Your Chimney Inspected Annually

An annual chimney inspection will help you to avoid serious dangers, such as chimney fires and carbon monoxide poisoning by making sure that your chimney is up to code. Chimney inspectors often identify problem areas during their inspections that help homeowners to make necessary repairs before conditions worsen. We recommend hiring a CSIA (Chimney Safety Institute of America) sweep to do the job!

Have Your Chimney Swept Annually, or As Needed

Chimney sweeps are crucial in removing built up creosote from your chimney. We recommend having your chimney swept each year, or as needed. For more advice, read our blog about how to tell if your chimney needs to be swept or contact our team with questions.

Waterproof Your Chimney

If you are wondering “Should I waterproof my chimney?,” the answer is “yes!” This will protect it from the harsh New England elements, keeping the masonry strong over the years. In addition, it will prevent those unattractive white streaks (called “efflorescence”) from showing up.

chimneyMake Sure That You Have a Chimney Cap

Chimney caps are an easy win that will keep precipitation, debris, and animals out of your chimney. If your chimney does not yet have one, consider having a chimney cap installed as soon as possible. Check out our chimney cap guide for answers to all of your chimney cap questions!

Though this list of chimney damage prevention tips is by no means exhaustive, we hope that it gives you some easy steps to take to avoid expensive damage down the road.

Do You Need Boston, MA Area Chimney Repairs?

Whether or not your insurance will cover repairs is dependent on your policy and situation. Either way, Best Chimney Services would be happy to serve you. Do you have questions? Click here or call (781) 893-6611 to get in touch with a member of our team.

The post Does Homeowners Insurance Cover Chimney Repairs? appeared first on Boston's Best Chimney.

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