Home Owners Insurance Claims Covering Chimney Damage

Did you know that your homeowner’s insurance may pay for chimney damage repairs? Whether it’s masonry damage, chimney crown rebuilding, a chimney fire, or even a structural collapse, your insurance will often pay for covered repairs to restore your chimney, fireplace, and other attached heating appliances.

Insurance Claims for Chimney Damage

Felgemacher Masonry & Chimney of Charlotte has you covered. We have helped many customers with their insurance claims for chimney damage. However, regardless of whether your chimney damage is covered by insurance, it must be repaired to prevent further damage and costlier repairs. Owner certified by the Chimney Safety Institute of America (CSIA), Felgemacher Masonry & Chimney of Charlotte will help you with insurance claims for chimney damage and repair in Kings Mountain, NC, Newton, NC, Huntersville, NC, Mecklenburg County, and communities in the Metrolina region.

An NC-SC Homeowner’s Insurance Policy Typically Provides Coverage For:

A homeowner’s insurance policy in North Carolina and South Carolina typically provides reimbursement, subject to your deductible, exclusions, and policy limits, for the following covered events that damage the chimney:

• Chimney fire
• Lightning strike
• Masonry damage
• Wind or storm damage
• Falling trees

Coverage for chimney damage from natural disasters

Your homeowner’s insurance policy may exclude damage to your home, including the chimney, resulting from a natural disaster or act of God, such as a hurricane, tornado, or earthquake, unless you have a separate insurance rider that covers a specific named event. In some instances, your chimney damage may be eligible for reimbursement by the Federal Emergency Management Association (FEMA) when a claim is filed within a specific timeframe, usually two to three years from the event.

Flood Insurance for Chimneys

The only way to protect your home and chimney against a flood is with an insurance policy from the National Flood Insurance Program (NFIP). Contact your local insurance agent or floodsmart.gov to obtain coverage through this government insurance program.

Mitigate Risk from Damage with Annual Chimney Inspections

It is standard practice for homeowners insurance policies to require homeowners to perform routine maintenance to mitigate the risk of damage to their home, chimney, and appliances to be eligible for claims reimbursement.

For example, your insurance provider may ask for proof of a recent chimney inspection before approving a claim for a chimney fire or other covered event. Failure to properly maintain your chimney can result in a denial or reduction in reimbursement.

• Schedule annual chimney inspections. (Date of last inspection:_______)
• Clean the chimney and fireplace when necessary. (Date of last sweep visit:______)
• Trim trees, branches, and foliage at least three feet from your chimney.
• Install a chimney cap with a mesh screen and spark arrestor.
• Ensure your damper opens and closes completely.

What to Do If You Have Chimney Damage

1. Contact us to schedule a chimney inspection.
2. File a claim with your insurance company.
3. Get three quotes from CSIA-certified chimney companies for damage repair.
4. You can choose Felgemacher Masonry & Chimney for simpler claim repairs.
5. Provide proof of completed chimney repairs to your insurance provider.
6. Your insurance adjuster may inspect the repairs to ensure they were completed correctly.

Help for Chimney Damage Repair Insurance Claims in Charlotte

Felgemacher Masonry & Chimney is your local resource for chimney damage insurance claims and repairs in the Charlotte-Concord-Gastonia, NC-SC Metro Area, including Kings Mountain, NC, Wingate, NC, and Kannapolis, NC.

Make Sure The Job is Done Right!

No matter what kind of chimney damage you’re experiencing, and whether or not it’s covered by insurance, our team will perform the chimney repairs right the first time and make your chimney once again efficient to use and safe for your home and family.

Felgemacher ownership holds CSIA chimney sweep certification and maintains memberships in the National Chimney Sweep Guild and the National Fireplace Institute.

Speak with a chimney expert at 704-741-2021 in the Greater Charlotte,  NC area!
Felgemacher Masonry & Chimney of Charlotte
10806 Reames Rd.
Charlotte, NC 28269