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The causes of most chimney deterioration fall into four categories: Wear & Tear, Latent Defects, Moisture, and Sudden Occurrence. When a defect is found in a chimney, the origin (cause) is essential to categorize so the homeowner understands the "why" of what occurred. Sometimes damages overlap into more than one category. I created the Four Pathways to Chimney Deterioration for Masonry flue and Prefabricated flues so it would be easier to determine which "bucket" the defect falls into. It’s important to remember that the defect source may not be covered by insurance. A cracked masonry flue tile should not automatically be considered a result of a sudden occurrence like a chimney fire. Other events or situations could have caused it. The chart below shows the Four Pathways to Deterioration categories and whether defects found in the category are insurable. This chart is intended to be a reference only, but in the end, it comes down to the homeowner's policy and what the insurance adjuster determines. Your job is to collect the data (due diligence) so the adjustor can decide.
![]() The Chim-Scan® Factory Training and Levels of Inspection Guide is designed to be a resource for professional individuals who work on chimneys and fireplaces. They may include hearth products retailers, chimney sweeps, contractors, service techs, home inspectors, fire marshals, forensic engineers, and insurance company representatives. Chimney cameras help those individuals find answers to the questions asked within the Levels of Inspections in NFPA 211, Chapters 14 (Maintenance), 15 (Inspection of Existing Chimneys), and the Annex (Explanatory Material). Anyone inspecting chimneys needs a copy of the NFPA 211 Standard, International Residential Code (IRC), and any local codes adopted in your area. If you perform chimney inspections, you need a copy of NFPA 211. To find a comparison of an ideal chimney, consult the International Residential Code (IRC) Chapters 10, 13, 14, 18, and 24. The Chim-Scan® offers the ability to see into the interior of the chimney. Once you can clearly see the interior, you may ask, “What am I looking at, and how did this happen?.” With the chimney interior clearly visible, we segmented (through modules) the Manual into sections to thoroughly cover your questions. There are Five Modules, each designed with a different chimney application (one with a fireplace). The modules are:
To become a Chim-Scan® Factory Trained Technician, you must take and pass the test. This open-book and multiple-choice test is based on this Chim-Scan® Manual and knowledge of the Chim-Scan® System. Each question is worth one point. Since this is an open-book test, 85% of correct answers are passing scores. For more information, click here. ©2024 Estoban Corporation LLC.
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AuthorTom Urban has worked in the Chimney and Hearth industry for 45 years. He's been an inventor and manufacturer for 40+ of those years. Archives
March 2025
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