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When does the home insurance pay to repair a water leak around a brick fireplace chimney?
Wiki User
∙ 16y ago
There are several different types of policy forms used by property insurance companies. For an owner occupied single family home (versus a rental property, secondary residence, or condo) the policy form typically used is called the Homeowners Form 3 (HO-3). The HO-3 policy will cover "sudden and accidental" water damage. What this means is that if you have a constant leak that was in plain view then the damage would not be covered. It has to be "sudden and accidental".
The best way to determine whether or not you have coverage for this is by looking at your contract. The HO-1 and HO-2 policy forms are more limited. In the HO-3 you will want to read everything under the Section 1: Dwelling Coverages, AND the exclusions for Section 1: Dwelling.
The reason that you need to refer to the Dwelling Coverages (Coverage "A" on most policies) is because a brick fireplace is a permanent part of the structure of your home.
Wiki User
∙ 16y ago
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We have a gas fireplace. Wood exterior. We get a significant draft from the fireplace insert as well as around the mantel. I suspect that there is no installation in side the chimney. Is there a way of installating to eliminate the draft ?
Yes you can certainly contact your local fireplace cleaning/repair location to get insulation for the fireplace and to check the chimney for leaks as well.
What companies do chimney repair in San Francisco?
Mister Chimney, SF Chimney Sweep and Fireplace Safety Services Inc are just a few of the companies that can provide customers with assistance in order to repair broken chimneys.
Where can I get a chimney repair company in Surrey?
I am looking for a chimney repair company to repair our damaged chimney preferably around the Surrey area?
Who repair chimney?
a brick mason can repair your chimney,but not all brick Masons have exp. repairing chimneys
Where can someone get fireplace repair service in Canada?
One can get a fireplace repair service in Canada by calling a chimney cleaning and repairing service provider. In addition, one can find near services through one's address book of the town.
Finding Reliable Chimney Cap Repair Services?
A fireplace is a pleasant presence in a living room or bedroom. In the cold winter months, many people like to sit in front of the fireplace and enjoy a long talk with family. Part of the responsibility of owning a fireplace is making sure that the chimney is in good condition. A chimney must be cleaned on a regular basis and the chimney cap must be checked for any damage. If a homeowner needs chimney cap repair, he or she has several options for finding a repairman. One way to find a qualified chimney cap repair service is to ask the individual who cleans the chimney. The person's company may offer chimney cap repair services. However, if the company doesn't offer that service it's likely that the chimney cleaner will have a few suggestions on other companies to try. A personal recommendation from a person who works in the industry is ideal for someone in search of a professional who is qualified to conduct chimney cap repair. Another option for a person interested in finding chimney cap repair services is to ask a neighbor with a fireplace. The neighbor may have had work done on their chimney and know who to call. Furthermore, the person may be able to recommend a chimney cap repair service with low prices. Next, an online search for chimney cap repair services is a useful option for many homeowners. Choosing three or four chimney repair services and, then calling the companies with questions regarding price is a smart idea. A person will be able to learn about the qualifications of the service personnel as well as how long the repair job might take. Once all of the information is collected, the person can consider the companies and schedule an appointment. Finally, there are many reasons to keep a chimney cap in good condition. For one, it prevents animals from entering the chimney. Furthermore, many chimney caps are designed to prevent birds from building nests inside a chimney or becoming trapped. In addition, a chimney cap that's clean and intact does a lot to improve the exterior of a home.
Chimney Repairs?
form_title=Chimney Repair form_header=Keep your chimney clear! Keep your chimney in pristine condition with expert repairs. What type of stone is the chimney built from? =_ How long has the chimney needed to be repaired? =_ What repairs need to be made? =_ Has the chimney needed to be repaired before? = () Yes () No () Unsure
Fireplace Cleaning and Repair?
form_title=fireplace repair form_header=7103 Is your fireplace fueled by natural gas?= () Yes () No Pick which problems you are having= [] Gas smell [] Fireplace is letting smoke into the room [] Trouble with fire going out (not drawing well) [] Firebox in need of repair [] Sparks fly from chimney [] Need new liner [] Need new screen [] Need new glass [] Want to add decorative gas logs [] Birds, squirrels, or other animals entering chimney [] Gas jets obstructed or clogged [] Trouble opening/closing damper [] Cracked bricks/stones [] Cracked, crumbling mortar [] Chimney leans, sags [] Water leakage [] Want to add gas insert [] Other
What is the cost of chimney cap repair?
The price of chimney repair changes with area. Recently I have hired A1 Chimney Sweep - Allen for Chimney Repair in Allen. They are very affordable in prices and done very good work of Chimney Repair.
How do you repair a fireplace with a rusted out fire box and then safely install a wood stove?
This is probably going to require building permits and inspections- would hire a chimney specialist to do this. Refitting will inolve removing old fireplace, and installing new. Building Code may not allow you to connect wood stove to pre-fab fireplace- the stovepipe needs to be connected directly to the chimney. Please discuss work planned with a legitimate chimney contractor- you may change your mind on some of it.
i WOULD LIKE TO PROMOTE OUR BUSINESS ON YOUR SITE.?
Fire & Ice Services Grand County Colorado 970-531-9615 Fireplace service, repair, chimney sweep
Will homeowners insurance cover repair to chimney due to water and ice dams forming causing chimney to crack?
yes this would be damage caused by ice..not by general deterioration
