There are a number of reasons why it is important to maintain your chimney. Your chimney allows smoke to exit your home when you have a fire going. If there is a crack in the chimney, the smoke may enter your home. And a chimney that needs repairs can also allow rain from the outdoors in, causing water damage. However, many people don't know much about maintaining their chimneys. Here are a few frequently asked questions you may have about chimney repair.
What are the Signs a Chimney Needs Repair?
The most obvious signs that a chimney is in need of repair can be found by inspecting the chimney stack. This is the exterior of the chimney found on the roof. If the bricks are loose, crumbling or the mortar is starting to chip away, the chimney needs repairs. Additionally, the concrete around the top of the chimney, known as the crown, may be cracked.
Another sign that your chimney needs repair is a rusted damper or firebox. This is indicative of water getting into the chimney.
The last tell-tale sign that your chimney needs repairs is bubbling along the wall where your chimney runs. Your drywall or plaster may be wet, causing a bubbling effect. This indicates water has seeped through your chimney and into your home.
How Often Should a Chimney Be Inspected?
It is recommended that you inspect and clean your chimney one time per year. During this inspection, you should be looking for signs that your chimney is need of repair. Unfortunately, many homeowners don't know all of the signs of a chimney that needs work. As such, you may want to consider hiring a chimney cleaning, inspection and repair company to do the work for you. And if they find any problems, they can fix it for you as well.
Will Home Insurance Cover Chimney Repair?
Chimney repair can be pricey, depending on the type of work that needs to be done. As such, if you need a repair, you may be asking if insurance will cover it. Typically, insurance will not cover chimney repairs that are not sudden and unexpected. So, chimney repairs caused by bricks naturally aging and deteriorating, won't be covered. However, if a tree falls onto your roof and damages your chimney, or if an earthquake causes cracks to develop in your chimney, those damages will likely be covered. Always read your policy to learn what is and is not covered for your home.
Unfortunately, many people don't realize that their chimney needs to be inspected and that it may need to be repaired. Getting answers to the questions you have about chimney repair will help you better understand what the signs of a chimney in need of repair are, how often it should be repaired and if insurance will help with the costs. You can check it out by contacting a company that specializes in chimney repair.