There is no clear answer to this question, The short story of it all says that it totally depends on your insurance and the circumstances involved. To assist you with navigating this tricky matter, we have written up some answers to common questions that we receive.  

When is chimney repair covered by home insurance?

Chimney repair is typically covered when there is an unexpected or sudden event that causes damage to the structure. Every day wear and tear however is not covered. However, these two scenarios are not always isolated, and exceptions can usually be made.

Normal Cases of Covered Chimney Repair. The following examples are two classic instances of when your insurance company will cover the costs of your chimney repairs.

1. When the top of your chimney is struck by lightning.
2. When an event takes place and a chimney fire causes damage.

Events cannot be intentional.  The key to getting your insurance to cover your chimney repair is that there needs to be a notable event that is taking place. With that said, there obviously needs to be no participation by the home owner in this event taking place. You most certainly cannot set fire to your home and try to collect insurance. This example is obviously on the extreme side of things, but the point stands. You as the home owner cannot play any role in the damage taking place. The event needs to be unexpected.
There can be exceptions. Your policy should explicitly state what is and what is not covered. It is noteworthy to point out that in most policies, wind and flood damage to your chimney is not covered. If there is a strong gale wind, and your chimney is damaged, your insurance company will likely claim no responsibility for the costs. However, if that same wind were to blow down a tree which fell onto your roof and damaged your chimney, then you would probably have a case. The difference is that the tree caused the damage and not the wind. Insurance companies may balk at this claim, but you can usually get the repairs covered if you argue your case.

While it may not be the most exciting read, I highly suggest taking some time to peruse through your insurance policy. There are usually headings that will highlight each point or exception that can be made. If your chimney is damaged in any kind of natural event, this information will become absolutely critical when making your claim.

Chimineas

Chimineas  are a cute and charming fire pit that will give your yard a unique appearance. Traditionally, these fire pits have closed sides with an opening on the front and the top,  but some modern designs  have come to have an opening on all sides with the chimney being supported by a cast iron frame.  Chimineas are typically found at most home and garden stores and are a fun way to brighten up your outdoor living space. Since most Chimineas are made of ceramic, they can usually be painted on to create a unique and family-centric aura.

A downside to Chimineas is that they are relatively heavy and are not easily relocated. They are usually set upon a cast iron frame to help stabilize the piece and to keep smoke from freely blowing into your visitors’ faces.

Advantages of Chimineas

Unique Style
Smoke Control
Great for patios
Disadvantages of Chimineas

Material can crack
Not good for cooking
Best to burn only small pieces of wood

Fire Bowls

If you would like to replicate a campfire style pit then a fire bowl is for you. These large metallic bowls sit close to the ground and are usually hung by a cast iron frame. Fire bowls are great as they are portable and relatively cheap compared to most other options on the market. This kind of fire pit is also great for entertaining a large group of people, allowing for guests to gather on all sides.

Advantages of Fire Bowls

Low cost
Good for cooking
Somewhat portable
Disadvantages of Fire Bowls

Limited visual appeal
Can’t hold very large fires
Low to the ground

Fire Pit Tables

A fire pit table is the perfect solution for those who seek a fire that is a bit higher off the ground than a traditional fire pit. This kind of pit also allows a place for your guests to kick back and put their feet up close to the fire and to lay their drinks.  Fire pit tables will require more space than some of the other options, and are oftentimes hard to move because they are usually made of heavier stones.

Advantages of Fire Pit Tables

Provides a tabletop surface
Large pieces of wood can be burned
Sits high from ground
Disadvantages of Fire Pit Tables

Hard to move
Can be expensive
Large