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Chimney Inspection questions, answered by experts

Homeowners insurance can be voided in several scenarios. That can include making too many claims in a short period of time, leaving a home vacant for an extended period of time, renting out a home or room illegally, using a home as a business illegally, and any kind of criminal activity connected to the home.

Insurance might cover a 30-year-old roof, but it’s fairly rare. Most companies don’t offer coverage for roofs older than 20 years, but certain robust plans will handle it. However, even if the plan offers coverage for an aged roof, it could be diminished. Many plans only cover the original cost or the actual cash value (ACV) of the roof once enough time has passed. ACV is based on the roof's age and condition at the time of repairs.

In most cases, yes, you will need to be home while your roof inspector checks your roof. The inspector will be able to complete the exterior assessment without input from you, but they will also need access to your attic space to look for signs of leaking, like pest infestation, water stains, mold growth, and visible holes leading to the exterior. They will also check the roof trusses, rafters, and supports to confirm their structural integrity. Roof inspections usually take between two and three hours, so plan accordingly.

Sometimes. Professionals may be able to remove the old roof and re-attach it when completed, depending on your blueprints. That can help you save money. But this method is not without its risks. Larger roofs may crack during the transportation process. And if the roof is old or has problems, it may be better to replace it entirely. Keeping the old roof isn’t always possible if you are making significant alterations to the roofline.

After you pass your wind mitigation inspection, you’ll receive a report you can send to your insurance company when you request a discount. This report is valid for five years. If you switch providers within that five-year window, your new insurer may ask you to get another inspection if you want a discounted premium.

The Redding, CT homeowners’ guide to chimney inspection services

From average costs to expert advice, get all the answers you need to get your job done.