Is Chimney Coverage Included In Home Insurance?

​Destruction of chimneys can be incredibly dangerous not only to your home but also to your family and yourself. It would help if you started taking care of it as soon as possible. If you're unsure of your ability to rely on your homeowner's insurance, paying for the essential repairs may be difficult.

By reading on, you can learn about the kinds of chimney renovations your insurance may or may not cover.

Are Damage and Repairs to Chimneys Covered by Homeowners Insurance?
Since your chimney is a building element of your house, it is covered under the housing portion of your homeowner's insurance policy. A concrete structure is a component of your property that anyone cannot remove without tearing it from the foundation.

When Do Insurance Policies Cover Chimney Renovation?
A typical home insurance policy protects your home's foundation from covered risks, particularly your chimney. If your chimney is destroyed by one of the six fundamental precautions in a typical policy, dwelling coverage, one of the six basic protections, may pay for the repairs. 

Homeowners' insurance may also cover a chimney that collapses under rain, hail, or snow pressure. Yet, repairs to a chimney that has already been destroyed may not be covered.

Listed below are a few typical chimney damage instances that are protected by homeowners insurance:

Thunderstorms 
An ordinary policy would include coverage for power lines and associated fire damage. Homeowners insurance would cover chimney repairs and pay for the damage to your property if your chimney collapsed due to a thunderstorm that caused it to fall over or lose bricks.

Chimney flames
Your homeowner's insurance may generally cover the cost of the repairs if a chimney fire is started accidentally by your oven or wood burner. Conversely, if carelessness and inadequate maintenance caused the chimney fire, your insurer might not pay for the damages. For this reason, it's a good idea to maintain your chimney free of dust and other items that could cause accidental fires.

Damaged by a fallen tree
If a tree falls and damages your chimneys, your homeowner's insurance may pay for the repairs needed and tree removal.

Conclusion
Accidental chimney fires are typically not covered by home insurance. The typical cause of chimney fires is an unmaintained chimney, which is the owner's responsibility. However, home insurance includes fires, so if an unanticipated incident involving your chimney results in a burning, insurance may cover the cost. 

At Robert Nichols Insurance Group, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (561) 406-6153. You can also request a free quote by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!