When a weather event causes damage to your chimney, your home insurance policy will most likely cover the costs of the repair work. However, filing the claim with your insurance company can be a lengthy and complicated process that requires some investigation and paperwork. If you are unsure about how to file an insurance claim for chimney damage, Blue Ridge Chimney Services is here to help you. We specialize in insurance claims regarding chimney damage and can assist you with everything you will need to give your home insurance company. Dealing with the aftermath of a devastating weather event is difficult enough on its own, and trying to work with your home insurance company can add even more stress. This is why we are here to help you with these insurance claims. We would like to tell you a bit more about how we provide assistance with filing insurance claims related to chimney damage.
What types of chimney damage can be covered by a home insurance policy?
Generally, any damage that was a result of a sudden occurrence will be paid for, at least partially, by your home insurance company. Sudden occurrences include lightning striking your chimney, earthquakes, tornadoes, hurricanes, and fires. Since your home insurance policy does not cover damage that was caused by negligence, such as not having your chimney professionally swept annually, the claim will require proof that the damage was caused by the sudden occurrence.
How does Blue Ridge Chimney Services help with filing insurance claims?
We begin by sending over one of our Chimney Safety Institute of America (CSIA)-certified chimney technicians to inspect the damage to your chimney. We use video cameras when we inspect the interior of your chimney, and the footage will be yours to use when filing the insurance claim. If a fire occurred in your chimney, this video evidence is needed to prove the fire was caused by a sudden occurrence and not a failure to have your chimney professionally cleaned. You will appreciate the experience we bring to this process, especially if you have never had to file a home insurance claim before.
What else should I do to prepare for filing an insurance claim?
You will need to document everything you see if you have experienced a chimney fire or a weather incident that has damaged your chimney. Record the date of the incident, the time you noticed the damage, and the details of the event and the damage it caused. You will need to report all of this information to your home insurance company along with the documents and evidence we will provide.
Dealing with chimney damage caused by a sudden occurrence can be a headache. Let Blue Ridge Chimney Services make it easier for you. Contact us to schedule the required chimney inspection for your home insurance claim.