Does Homeowners Insurance Cover Chimney Damage?

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    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    A chimney is part of a house.  The company knows that your house has a chimney.  If the chimney is damaged by a “specified peril” (i.e. windstorm) you can expect coverage.  The recovery will be reduced by the deductible.  Damage that is the result of wear and tear will not be covered; it must be a “specified peril” as named in your policy.
    Answered on June 6, 2014
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