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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.
©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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