Quality chimney repair
Here in Louisiana and the general area of the country, winters don’t get too bad. So, maybe our fireplaces are more for looks than use, but many of us around here will light up that fireplace at the first “cold” snap. During the summer, we probably didn’t notice that a chimney repair was needed either, right?
The state of Louisiana is filled with beautiful old southern charm homes, each having a fireplace with a brick chimney. Since winter hasn’t settle in yet, it is a good time to have your chimney inspected and cleaned by a professional. If you don’t have a company for chimney repair service, inspection, and cleaning already, you can find several with an internet search of “chimney repair nearby me” to call for quotes. Get it done before you need to panic for chimney repair after winter has arrived.
Will homeowners insurance cover chimney repair?
Well, we have good news and bad news for you about the coverage of chimney repair by your homeowner’s insurance. If chimney repair is needed from damage happened from an unexpected incident, it probably will be covered. If the damage is the result of normal wear and tear, then you’re on your own. Basic chimney repair and cleaning is considered homeowner maintenance and responsibility.
So, what kind of damage dan you claim for chimney repair? Two of the most popular claims that insurance companies will pay for chimney repairs are:
- Lightning Strike: The chimney is typically the highest point of a house, especially the crown and with the metal mesh inside the chimney, lightening is often attracted there, resulting in damage.
- Chimney Fire: A chimney can be damaged inside as well when fire escapes the firebox, charring and cracking the flue interior.
Both of these events will happen unexpectedly, but you’ll want to check your policy about non-excluded perils. Tips and tricks to filing an insurance claim for chimney repair:
- Homeowners that are claim-free and have been a client for years with packaged insurance are often given more privilege.
- A push and unreasonable homeowner that fights a denied claim for chimney repair, or any claim, beyond reason will not win the dispute and may see a cancellation notice.
- Without solid proof that an event occurred unexpectedly will be denied.
Of course the final decision of paying for your chimney repair is ultimately the insurance company’s whether they will approve or deny a claim for chimney repair. It always pays to review your homeowner’s policy once a year and check these things with your agent if you aren’t sure or don’t understand the coverage.
Why does chimney leak when it rains?
There are five common causes of chimney leaks. Review this list and check them against your chimney. If none of these seem to be the issue, then you have another problem causing the leak.
- Rain Coming In: If your chimney doesn’t have a cover, this isn’t that difficult to picture happening. A chimney cover keeps more than the rain out. It keeps birds, critters, and debris out too.
- The Chimney Crown: The cement part on the chimney top is the crown which stops rain and snow from falling in around the chimney tiles. If the crown in cracked, which happen as the house shifts, water can seep in and leak through the chimney.
- Condensation: Older homes, like 1900, the chimneys were not lined as they are today. A chimney liner is key in stopping condensation.
- The Flashing: Flashing is installed where the chimney brick and roof meet to cover the gap that is natural left during construction. This is usually a thing piece of flexible aluminum and is installed over the shingles. When it is bent, loose, or missing, rain will seep in around the flashing.
- Loose Bricks. Over time, mortar will often begin to crumble, leaving loose bricks. As the ice freezes and thaws, the mortar is damaged more, and water begins to seep into the mortar and chimney.
The good news about these five scenarios, chimney repair is possible!
How do you fix a chimney cap?
Well, the easiest way is to hire a company that specializes in chimney repair for brick chimneys. A chimney may not be the foundation that your entire home rests upon, but chimney repair is important because it can cause major damage to the roof and your home if not done properly.
We are going to give you general step in chimney repair, but keep in mind that if you aren’t comfortable you can achieve proper sound chimney repair or rebuild, it is worth the money to call a professional masonry.
The chimney crown is the concrete cap sitting on a brick chimney masonry walls. The crown sheds water and seals the flue to the masonry, and a good chimney repair will prevent water damage from occurring. A cracked chimney crown, chimney repair is possible, whereas a crumbling chimney cap will need a new chimney built.
- Step One: Place a ladder firmly and securely against the chimney so that you can safely climb up where the crown is within your reach. Remove any loose debris and particles, clean any mildew, and mold off with a stiff wire brush. Around the chimney flue, apply duct tape an inch above the crown. Now, around the chimney brickwork , apply more duct tape an inch below the crown’s base edges.
- Step Two: With acrylic or silicone caulk, fill in cracks that are one-eighth to one-fourth inch wide. Work the same patching material into the smaller cracks with your finger. Smooth the tops of the patches, then let it sit for fifteen minutes.
- Step Three: Brush a liquid crown seal coating thoroughly covering the outer edges of the crown and the inner edges where the chimney flue and crown join together. Read the label as some crown-seal coating products require two coatings. Apply second coating after first dries. Now, carefully remove the duct tape.
How do you tarp a chimney?
To place a tarp on a chimney is for short term temporary means and shouldn’t be left for more than 30 days. To tarp a chimney, follow these steps:
- Spread the tarp out around the chimney and cut a hole where the chimney protrudes.
- Nail strips of wood on the tarp around and diagonal to the chimney to hold in place.
Leave the upper edge of the tarp beyond the boards.
- Make sure the tarp is secured tightly around chimneys and other protrusions.
Secure the tarp to keep the wind from lifting it off.
- Take a smaller tarp and cover the chimney, securing the edges around the base of the chimney with duct tape and/or rope.
Your chimney is more than a decorative part of your home’s structure, even if you don’t utilize the fireplace for its intended purpose. The home was built with a chimney, making it a part of the structure. Ignoring leaks will lead to bigger problems beyond what chimney repairs we’ve discussed here can correct. Call (318) 300-3660 today for your chimney repair in Shreveport, LA.