Get matched with top fireplace pros in Riggins, ID

Sometimes chimney caps blow off during storms or fall off after rusting away. While this typically won’t cause structural damage, failing to replace a chimney cap can. A chimney cap prevents moisture, animals, and debris from entering your chimney, all of which can cause serious problems, such as damage to the masonry or blockages in the flue.

Homeowners insurance may cover chimney leaks, repairs, or replacement, but coverage depends on the cause of the damage. If the chimney is damaged by a sudden, covered peril like a lightning strike, storm, hail, fallen tree, or an unexpected fire, your policy is likely to cover the costs. However, insurance generally does not cover damage resulting from normal wear and tear, old age, or a lack of proper maintenance, such as failing to perform regular cleanings and inspections. If a fire or other damage is caused by a known issue you didn't address, the claim may be denied. Additionally, some policies may have specific exclusions for events like high winds or earthquakes.

Moving a chimney is possible, but it is a very complex process that requires professional expertise, knowledge of building codes, and safety protocols. Most homeowners find it easier to remove the fireplace and build a new fireplace and chimney in the new location of your home. Talk to your chimney pro about all your options, their costs, and pros and cons. 

One disadvantage of a wood furnace is that you need a constant supply of wood to run it. Even if you have a good amount of wood on your property (or have another way to get affordable wood), you’ll still need to chop it, store it, and re-fuel your furnace with it to keep your house heated.