While it’s recommended you have your chimney inspected annually, there are circumstances that make an inspection vital more than once a year. It’s always important to know what’s going on in your chimney system, but even more so it you’re planning to buy or sell a home. Furthermore, when damage occurs to your chimney, having professionals work with you to discover the cause can help you file a claim, so you’re not left to pay thousands of dollars of repairs without any help.
Real Estate Inspections
When you purchase a home, it’s important to know exactly what you’re buying. The worst case scenario after purchasing a house is finding damage in the chimney you’ll need to pay for after the fact. On the other hand, if you plan to sell a home it’s just as important to accurately know the condition of your house. You don’t want to go through the process of listing your home, assuming it’s worth a certain amount, only to later find a damaged chimney significantly lowers its value, or your buyer wants you to pay for damage you aren’t sure was there before or after they bought the home.
From either perspective, it is essential both a buyer and a seller accurately knows and agrees on the state of the chimney. The only way to have complete knowledge of the chimney system is by scheduling an appointment with chimney professionals like us. While traditional home inspectors will take a look at the chimney, they don’t do the in-depth inspection a chimney sweep will, and they don’t have the experience to recognize hidden signs of damage. A chimney professional, on the other hand, has a deep understanding of every part of the chimney system, and will know exactly what to look for.
Have you had a chimney fire? Has your chimney been damaged by unexpectedly? You can file a claim so homeowners insurance can help you pay for the cost, but you need to take the right steps to ensure your get the most out of your insurance. Having a professional chimney inspection is one of the most important steps.
What Will Insurance Cover?
Insurance is very specific about the type of chimney damage it will cover. Generally, homeowners insurance will help cover chimney damage caused by an unexpected event. This event doesn’t include normal wear and tear your chimney goes through, or damage that occurs slowly through natural events or because your chimney was built poorly. For example, insurance generally won’t cover water damage because of severe storms, since chimneys are expected to be able to regularly withstand weather like rainstorms. But if a severe storm blows a tree onto your chimney that damages it, your insurance most likely will help you out since that was an unexpected event. Furthermore, insurance most likely won’t cover damage caused by your actions, or if they think you lied about an event.
Because insurance is so specific in what it will cover, the best actions a homeowner can take when damage occurs is to have a professional chimney sweep inspect your chimney and the damage. With a professional chimney sweeps professional opinion, you can make an educated claim and be confident during that process, instead of relying solely on your insurance company.
Work with Us!
All Star Chimney Sweeps is located in over 150 cities nationwide. If you’re in the process of buying or selling a home or need an inspection after an event caused damage in your chimney, we can help. Because of our vast number of locations, we have a network of chimney sweeps with unrivaled experience. Whatever the situation, we can inspect your home and advice you on the steps you need to take next. Call us now or make an appointment here on our online form.