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Even if a homebuyer has no intention of using the fireplace installed in the home they’re thinking of buying, it’s vital to know when the fireplace and chimney were last inspected. Aside from learning that it can operate properly, homebuyers will want to know that the structures themselves are sound and won’t affect the integrity of the surrounding home. With full knowledge, homebuyers can then make plans for any necessary repairs before they move in. 

A chimney requires both a cover and a cap, but these parts often get confused with one another. A chimney cover seals the top of the chimney around the flue pipe to prevent water from entering the chimney. A chimney cap is a piece that sits above the flue to prevent animals, debris, and water from entering the flue.

No, a chimney crown is not the same as a chimney cap. A chimney crown is a flat cement area on top of a masonry chimney. It starts where the masonry part of the chimney ends at the very top and domes upward toward the flue opening. A chimney cap sits on top of the crown over the flue. It is usually made of metal and allows smoke to escape without letting in rainwater.

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.