Get matched with top chimney sweeps in Rangely, CO

Yes, most homeowners insurance policies cover fire damage and restoration, provided the fire was not set intentionally or caused by negligence. Accidental fires, such as those from electrical issues, cooking, or gas, are typically covered. Your policy will usually cover emergency services like roof tarping, the full cost of remediation and rebuilding, and may also cover alternative housing while your home is being restored. You will be responsible for paying your policy's deductible. It is important to check your policy details to see how coverage is calculated—it may be for the full replacement cost of damaged items or the actual cash value, which accounts for depreciation. To expedite your claim, contact your insurance company immediately and have all necessary documentation ready.

The cost for fire or smoke damage restoration services typically ranges from $3,000 to $50,000. The final price depends on the severity and extent of the damage and the specific areas affected.

After a house fire, you should not reenter your home unless the fire crew has told you it’s safe to do so. In the longer term, you should not attempt to make repairs to the house on your own. Professional crews are trained to clean up after a fire (including smoke and soot damage), dry out any water damage from the firefighter crews, and make the necessary structural, plumbing, and electrical repairs—and this is all likely covered by insurance.

Some of the most common chimney problems include:

• Creosote buildup

• Chimney blockage

• Deteriorating brickwork or stonework

• Cracked chimney top

• Damaged flashing

• Flue liner damage or deterioration

• Damaged chimney cap

If you suspect you have a chimney problem, contact a masonry contractor for an inspection.