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Does home insurance cover chimney repairs?
There was a pretty big storm two days ago. We didn’t think much of it, but now there’s water leaking inside our house from the chimney. Will our home insurance cover the chimney repairs?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s good you noticed the problem before it got any worse! Your home insurance will cover chimney repairs as long as a
covered peril
caused the damage. Additionally, the damage cannot be related to a lack of maintenance, age, or normal wear and tear.
Since the storm likely caused the damage to your chimney, your insurance policy should cover any of the water damage the leak caused as well as the chimney repairs. These repairs would fall under the dwelling or Coverage A part of your policy since chimneys are usually attached to a home.
Even so, home insurance policies vary, so you’ll want to confirm your coverage with your provider. If you have coverage, you’ll also be subject to your deductible before your insurance kicks in.
If you decide you’d like to explore your other home insurance options or potentially find a cheaper rate after repairing your chimney, use
Jerry
. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home or renters insurance. Jerry will even help you cancel your old policy.And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price. This level of service is why Jerry earned a 4.6/5 rating on the App Store and made it the top insurance app in the country.
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