Chimney repairs can be costly. As such, if you find out that your chimney is in need of repair, you may be wondering if it is covered by home insurance or not. Unfortunately, the answer is not clear cut. Some types of repairs are covered, while others are not. Here is the information you need to know if you need a chimney repair.
What Chimney Repairs Does Home Insurance Cover?
If your chimney needs a repair due to a natural disaster, the repair will usually be covered. For example, if hail pelts your chimney causing damage, your repairs would be covered under your homeowner’s insurance policy. However, if an earthquake causes your home to shift, which causes cracks or damage to the chimney, your repair would only be covered if you opted to add an additional earthquake endorsement to your homeowner’s policy.
What Chimney Repairs Are Not Covered By Home Insurance?
Natural disasters are covered under your home insurance policy. Simple maintenance, wear and tear and conditions caused by age are not covered. As such, if your home is 50 years old and the bricks are just wearing out, that repair is not covered. Or if your chimney is deteriorating because you have not kept up with properly maintaining it, that repair is not covered.
It is also important to point out that chimney repairs may be needed due to shoddy past chimney repairs or roof repairs. In these cases, your home insurance will not cover the repairs. But, if the company you used was insured, you may be able to file a claim against their liability insurance and have your repair paid for by them.
Do you have questions about your home insurance needs? Then give LG Insurance Group a call. We serve the Marietta, GA area and are here to help with all of your home owner’s insurance needs, including answering questions, providing you with quotes and helping you to determine how much coverage you need.