Does Home Insurance Cover Chimney Repair?

Being a Indianapolis homeowner is incredibly rewarding, but it can be scary. So many different things can go wrong with owning a home, which is why homeowners insurance is so important. However, insurance is often a confusing space. If you are lucky enough to have a fireplace in your Indianapolis home, your chimney is very important. Over time, or as a result of a sudden incident, your chimney could become damaged. So if your chimney needs repair, will homeowners insurance cover it?

Chimney Repairs Covered by Home Insurance 

Luckily, home insurance will cover some chimney repairs. Typically, if the damage occurred from a sudden, unexpected incident, homeowners’ insurance will cover it. Two common cases where homeowners insurance covers chimney repairs include lightning strikes or chimney fires. Since the chimney crown usually the highest point of your house, they can attract lightning. If your chimney sustains damage from a lightning strike, home insurance will likely cover it. If fire escapes your firebox and ignites your chimney flue, it can damage your chimney. These sudden chimney fires may also be covered by home insurance.

When Homeowners Insurance Will Not Cover Chimney Repairs

Not all chimney repairs will be covered by your home insurance. Problems caused by the normal wear and tear of your chimney will not be covered by your homeowner’s insurance. The best way to combat the wear and tear of your chimney is with proper maintenance. Your annual chimney sweep and inspection is one the best ways to keep your chimney healthy and catch any issues before they turn into costly repairs. When it is not addressed quickly, minor damage will only worsen and become a major expensive repair. 

Check with Your Insurance Policy 

The final decision about chimney repair coverage lies with your specific homeowner’s insurance company. Your insurance policy, company, and agent determine your coverage for chimney repair coverage. 

The best way to keep chimney repair costs down is to follow all maintenance protocols. The experts at the Brick + Ember Outfitters of Indianapolis are here to provide exemplary chimney services to keep your chimney from needing extensive repairs. We will help you keep your chimney safe and efficient at an affordable price. To learn more about how we will help your chimney or schedule your consultation, contact us at 317-500-1250 or OFFICE@BRICKANDEMBER.COM.