It can be a concern when you notice that the bricks on your house or chimney are falling away in Woodstock, GA. The problem is not necessarily related to damage to the property from a storm, so the details regarding your coverage and when it can be repaired will vary.
Maintenance Issues
In general, home insurance coverage will not pay for repairs if it is related to regular maintenance. For example, if the bricks are falling away because you did not have the chimney checked and serviced, then you may not be able to make a claim.
A home insurance chimney policy, on the other hand, may offer coverage for the situation if it is part of the policy. The maintenance of a chimney can be complicated and some insurers may offer coverage to pay for the repairs if bricks begin to fall.
Storm Damage
Many insurance companies will pay for any damages that are associated with a storm as long as the type of storm is covered in the policy. Certain disasters, like earthquakes or flooding, may not be covered by a basic policy, so it is important to read the plan to ensure that the situation is covered.
Storm damage is usually protected in a policy because it is beyond your personal control. Unlike problems that arise due to poor maintenance, damages that result from a storm are sudden and unexpected, which means many insurers will cover the repairs.
Ultimately, the situation and the reason that the bricks are falling away from the building will impact your ability to make a claim. A claim is possible if the damages are the result of a covered situation. Contact us to speak to an agent for more details about your options.
