Get matched with top fireplace pros in Buffalo, WY

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.

You can research your fireplace insert or retrofit by checking out the EPA wood stove database. The database includes information, such as a model's emission rate, efficiency, and carbon dioxide output.

When done correctly by a professional, chimney repointing can last for several decades—often 30 years or more. This maintenance is crucial for keeping the chimney structure sound, improving its waterproofing, and preventing more significant and costly repairs, such as a partial or complete rebuild. It is recommended to schedule an annual inspection to catch any potential issues early. If you notice the chimney's brickwork looks worn out or crumbly, you should hire a professional to inspect it.

The project could take anywhere from one to five das, depending on the extent of the removal. Capping a gas line can be done on the same day, whereas completely removing a fireplace and chimney can span several weeks. Talk to your pro about the timeline and potential obstacles, like fireplace material, location, and potential structural issues.