Andrew Troi
I have had an incredible experience with Harrison Insurance and Jennifer in particular. She is true professional and handles all questions and concerns in a timely and kind manner. I’m so glad I switched my auto and renters policy to Erie and Harrison insurance.
Andrew Troi
Kayla Courtois
Fantastic customer service! Very knowledgeable, patient, and friendly. We were a new business starting up with absolutely NO clue what to do. Fred made the process very simple and got us the coverage we needed in a field that is hard to get coverage in!
Kayla Courtois
Thomas Sweeney
Used Fred for my executor bond, he worked with me over the phone as I was out of town to fill out the paperwork. The prices were much cheaper than anywhere else I found.
Thomas Sweeney
bryan acheson
Fred and team at Harrison Insurance are awesome. I requested a review of my insurance coverage for my business and found that I was grossly under covered. Fred explained where I was needing additional coverage and why it was important. Needless to say, I'm now a client. Fred truly cares for his clients. I think my premiums basically stayed the same, for additional coverage I might add, but I would have been willing to pay more just for the service and knowing I was being taken care of. I highly recommend Fred for your business.
bryan acheson
Kayla Furrow
Harrison Insurance is a great company to work with! I worked with Fred and the personal touch he adds makes you feel like you’re truly being taken care of, like you’re a part of the family. Fred never settles for the bare minimum, and if he sees something lacking in your insurance policy, he will tell you what he can do to fix it and what kind of options you have to make sure you’re covered in every area possible. Harrison Insurance is a small town agency, but their impact is huge. If you’ve got any kind of insurance, it is always worth giving Harrison a call and seeing where you can improve your coverage while lowering your rates. You definitely won’t regret touching base with them!
Kayla Furrow
Wes Tatum
Highly recommend this company. Fred Zehrer was my agent and he provided top notch service. The process was simple and Fred saved me over $600 a year on my business vehicle insurance. I can't say enough good things about Fred and Harrison Insurance. If you want peace of mind and fair prices, this is where you need to be.
Wes Tatum

Does Homeowners Insurance Cover Chimney Repair?

Does Homeowners Insurance Cover Chimney Repair?

A chimney is a vital part of many homes, providing warmth and comfort.

However, when it requires repair, homeowners often wonder: does homeowners insurance cover chimney repair?

The answer is not as straightforward as one might hope. It largely depends on the specifics of your insurance policy and the cause of the damage.

In this article, we delve into the complexities of chimney repair coverage, helping you understand when you can rely on your homeowners insurance and when you might need to dig into your own pockets.

Understanding Your Homeowners Insurance Policy

Homeowners insurance is designed to protect your home from unexpected damage.

However, not all types of damage are covered. The specifics of what is and isn’t covered are detailed in your policy’s declarations page.

Understanding these details is crucial to knowing whether your chimney repair will be covered.

It’s advisable to consult with your insurance agent or a professional to clarify these specifics.

Covered Perils and Chimney Repair

Homeowners insurance typically covers chimney repairs when the damage is caused by a covered peril.

Covered perils are specific events that cause damage to your home.

These perils are explicitly listed in your insurance policy.

Common perils that may be covered include:

  • Fire
  • Lightning
  • Windstorms
  • Hail
  • Accidental damage, like a tree falling on the chimney
  • Vandalism or malicious mischief

If your chimney is damaged by one of these perils, your repair costs should be covered.

Exclusions and Maintenance: What’s Not Covered

However, not all chimney damage is covered by homeowners insurance.

Damage due to lack of maintenance or normal wear and tear is usually not covered.

This includes issues like creosote buildup, which are the homeowner’s responsibility.

Understanding policy exclusions, situations where chimney repairs would not be covered, is crucial.

Additional Coverage for Chimney Repair

In some cases, standard homeowners insurance may not be enough.

Additional coverage or riders can be purchased to extend protection for certain situations.

This could include chimney repairs needed after a natural disaster, if the homeowner has the appropriate additional coverage.

The Claims Process: Steps to Take for Chimney Repair Coverage

When damage occurs, it’s crucial to understand the claims process.

First, document the damage thoroughly.

Next, contact your insurance company to report the incident.

An insurance adjuster will then assess the damage.

They will determine if it falls under the policy coverage.

Understanding this process can help ensure a smoother claim experience.

Preventative Measures and Regular Maintenance

Preventative measures can save homeowners from costly repairs.

Regular chimney inspections can identify potential issues early.

Remember, maintenance issues are typically not covered by insurance.

Conclusion: Reviewing Your Policy for Peace of Mind

Understanding your homeowners insurance policy is crucial.

Regular reviews and updates can ensure adequate coverage for chimney repairs.

Remember, peace of mind comes from knowing you’re protected.