A cracked chimney may cause a variety of problems when water begins to leak into your home. The problem is that your home insurance in Hope Hills, NC may or may not offer protection against the possible problems that might arise. Since the situation will dictate the options that are available, you may discover that you need additional protection on your home.

Slow Damages

Any time the damages build up over time and can be seen before it gets out of control, it is unlikely that your insurer will pay for the damages. A cracked chimney that has a slow leak that you have ignored is not the same as a sudden leak that springs up unexpectedly. Many insurers will not cover the situation because you could have prevented the damage from getting out of control. A home insurance policy is designed to address sudden and unforeseen problems.

Sudden Damages

Whenever your chimney develops a sudden leak and causes damage to your house, it may be covered under your basic policy.

Most insurers will pay for any damages that spring up suddenly because the cause of the problem is usually related to a covered situation. In some cases, insurers may not provide all of the funds you might need to make changes, so you will want to read your policy to identify any potential factors that might limit the claim. The amount that you can claim will vary based on your insurer and the policy that you purchased.

Every situation is different, so you may be covered for damages from a leaking chimney in some situations and may not be covered at other times. Contact us to speak to an agent to learn more about your options and the coverage that is available.