Subject: Should I File an Insurance Claim?
I purchased my home in upstate New York about a year ago.
Recently, we experienced a blizzard with heavy snow and strong winds. Now that things are starting to thaw, I’ve noticed that the chimney appears to be significantly damaged, which I didn’t observe 3-4 weeks ago.
To be honest, the chimney is an older brick structure coated in concrete. It wasn’t in perfect shape before the storm—there were a few areas with cosmetic peeling—but nothing too concerning at that time.
Now, however, I can see a small section where some bricks and concrete are missing. I’m not a professional, so I’m uncertain about the structural integrity of the chimney.
My questions are:
1. Am I entitled to file a claim for damage to an old chimney that wasn’t in perfect condition prior to the storm?
2. If I do file a claim, will the insurance likely cover the cost of necessary repairs, and will it be the full or partial amount?
3. As this is my first year as a homeowner and also my first experience with home insurance, will this claim cause my renewal rates to skyrocket or even affect my ability to get insurance in the future?
Any insights or advice would be greatly appreciated. Thank you!
It’s understandable to have concerns about damage and insurance, especially as a first-time homeowner. Here are some points to consider regarding your situation:
Understanding Coverage: Check your homeowner’s insurance policy to see what types of damage are covered. Generally, most policies cover sudden and accidental damage from events like storms. However, wear and tear or pre-existing conditions may not be covered.
Document the Damage: Take clear photographs of the chimney and any visible damage. This will help when you file a claim and provide evidence of the condition before and after the storm.
Consult a Professional: Since you’re unsure about the structural integrity of the chimney, it’s a good idea to have a qualified contractor or chimney specialist assess the damage. They can provide an expert opinion on whether it affects safety or requires urgent repairs.
Filing a Claim: If you believe the damage is directly related to the storm and your policy covers such incidents, you can file a claim. Be prepared to explain the situation to your insurance agent and provide any documentation you’ve gathered.
Claim Costs: Depending on your deductible and the extent of the damage, your insurance may cover full or partial repair costs. If the damage is considered a result of a covered peril, they may help with repairs.
Impact on Premiums: It’s possible that filing a claim could affect your renewal rates. However, if the damage is clearly storm-related and you didn’t have previous claims, the impact might be minimal. It varies by insurer and your overall claims history.
Consult Your Insurer: Before filing a claim, you can call your insurance company to discuss the situation. They can provide guidance on whether it sounds like something that might be covered without officially opening a claim yet.
Consider Maintenance: Regardless of this incident, you may want to develop a maintenance plan for the chimney and other critical areas of your home to prevent future issues.
In summary, you may have grounds to file a claim depending on coverage specifics. It’s crucial to assess the damage properly, document everything, and communicate with your insurer for the best advice tailored to your situation. Good luck!