Chimney maintenance and repairs are an important part of keeping a home in good condition. However, when it’s time to pay for these services, most homeowners are on their own. While certain exceptions exist, most homeowner’s insurance policies do not cover chimney repairs. Read on to learn what’s not covered by insurance and to find out how chimney cleaners and repair contractors can help keep homes in good shape.
Routine Chimney Inspections
A homeowner’s insurance policy will not pay for regular inspections and cleanings by a Chimney Flue Cleaning Contractor in Severna Park MD. While the cost of the process makes some homeowners skip it entirely, chimney inspections and cleanings can provide savings by catching small problems before they grow big, costly, and unmanageable.
Repairing Damage Due to Ordinary Wear and Tear
Like periodic inspections, chimney repairs are the homeowner’s responsibility. Homeowner’s insurance policies do not cover the cost of cover replacement, masonry repairs, and structural work. If the chimney is leaning, cracked, or not working properly, it’s the owner’s responsibility to find someone to do the repairs.
Catastrophic Damage
The one exception to the rule on chimney repairs is when damages are due to an unexpected, catastrophic event. Earthquakes, fires, lightning, and storm damage can be billed to a homeowner’s insurance company as long as the event is covered under the policy. High winds are an exception, as the chimney should be built solidly enough to withstand wind-related damage. However, most other catastrophes are covered.
Getting Claims Approved
For the greatest chances of having an insurance claim approved, the owner should be thorough. It’s important to document damage and the conditions that caused it. Take pictures and get an estimate from a chimney flue cleaning contractor in Severna Park MD for repairs. This documentation can ensure that the insurance claim is not denied based on a technicality.
A chimney is a necessary part of a home’s fireplace, and they need occasional repairs and frequent cleanings to work efficiently and safely. If a customer needs chimney cleaning or repairs, they can call the pros or check out website name for more details.