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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.

For most brick cleaning jobs, including fireplace bricks, use a masonry sponge and a gentle cleaner. A simple solution of equal parts water and vinegar, or a few drops of dish soap in a bowl of water, can effectively remove grime. For tougher stains, you can use a dedicated masonry or fireplace cleaner. It is crucial to wet the bricks thoroughly with water before applying any cleaning solution to prevent the brick from absorbing it, and to rinse the surface completely afterward. Harsher cleaners containing bleach or ammonia should only be used as a last resort, and they should never be mixed together.

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.

Some of the reasons a chimney damper won't close properly include shoddy installation, age-related damage, or heavy snow or ice affecting a top-sealing type. Poor chimney maintenance and a buildup of rust, debris, or creosote can also cause dampers to jam. Annual inspections and chimney sweep costs are worth it to help you avoid a damper disaster.