Chimney repair and maintenance is an essential part of keeping your home in shape. Unfortunately, when it comes to paying for this necessary service, you're probably on your own. While there are exceptions, Absolute Chimney Service in Kennebunkport, ME, has found most homeowners insurance policies do not cover chimney repair services.

Routine Inspections

Your homeowners insurance will not cover your regular chimney inspection and cleaning. These maintenance costs are seen as the homeowners responsibility. While this may tempt you to skip the process entirely, chimney cleaning and inspections will still save you money in the long run by catching problems while they're still small.

Repairing Wear & Tear

Like inspections, chimney repairs for regular use are your responsibility. Your insurance won't cover the cost of masonry repairs, chimney cover replacement, or structural work. If you find your chimney is cracked, leaning, or not operating correctly, it will be up to you to have the issue resolved.

Catastrophic Coverage

The one time homeowners insurance will usually pay for repairs is when the damage is a result of a sudden, unexpected event. Fires, earthquakes, lightning strikes, and storm damage can be billed to your insurance company, as long as your policy covers those events. One exception is high winds. Generally, your chimney should be designed to withstand wind damage. But most other catastrophes will be covered.

Getting a Claim Approved

For the best chance of having your claim approved, be thorough. Document the damage carefully, as well as the conditions that led to it. Take photos, and get a written estimate from a chimney repair service for the damage. This will help ensure your claim can't be thrown out on technical grounds.

Even if your insurance doesn’t pay for the damage, chimney repairs and inspections are essential to keeping your fireplace working and your home safe. If you need chimney maintenance, contact Absolute Chimney Service today at (207) 967-2274 or online.