Fire Insurance For Homes With Old Chimneys: Fire Safety And Maintenance

Fire Insurance For Homes With Old Chimneys: Fire Safety And Maintenance – ‘ In this article we will look at chimney repairs, repairs for other brick structures such as patios and fireplaces and what this means with insurance. For more information on all things masonry, contact the experts at Royal Masonry now!

Unfortunately, there is no absolute answer when it comes to what home insurance covers and what it doesn’t cover, as every home insurance policy and provider is different. To make matters even more complicated, most insurance policies do not provide information about chimneys. To find out exactly what your home insurance covers, you’ll need to contact your insurance provider.

Fire Insurance For Homes With Old Chimneys: Fire Safety And Maintenance

However, in general, many insurance companies will cover chimney repairs depending on the circumstances. So the answer is both yes and no. If your chimney is damaged by an unexpected, sudden incident (such as a tree falling on your chimney), it’s likely that your home insurance will cover chimney repairs.

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Two common chimney problems that are almost always covered by insurance include: if your chimney was struck by lightning and damaged as a result, or if there was a chimney fire that caused the damage ( source ).

Homeowners may find that their chimney, especially if it’s an older home, is starting to show wear and tear. Normal damage caused over time by weather, winds and other elements is generally not covered by home insurance.

Unfortunately, most insurance policies do not cover damage due to poor maintenance. That is why it is very important to regularly maintain and clean your chimney as needed. That way, if something happens, you’re more likely to make a successful claim.

Not sure how to maintain your chimney? If you want to avoid extra work around the house, you can hire a professional to do it for you. If you’re willing to put in the work, here are some tips from the DIY Network:

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Chimneys aren’t the only brick structures you can be concerned about around your home. Outbuildings, retaining walls and patios can be a concern, especially if you live in an area prone to extreme weather. See below to learn more about these common brick structures.

Retaining walls are an attractive and practical way to support soil on uneven and sloping yards and properties. Retaining walls are often expansive and built with lots of bricks!

So are retaining walls covered by home insurance? As with any other question, the answer is that it depends. However, it is very likely that your retaining wall is covered by your policy. Retaining walls are usually covered under “other structures” in your insurance policy.

Of course, coverage depends on what caused the damage. For example, if the settlement of your foundation has caused a crack or damage, this will not be covered. However, if an earthquake or other extreme weather caused sudden, immediate damage, the repairs will likely be covered by insurance ( source ).

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Most home insurance policies include “dwelling insurance”, which covers areas of your home beyond just the enclosed living space. Sometimes patios and porches are covered as part of your home insurance policy.

Damage caused to porches and patios over time due to lack of maintenance or weather conditions is unlikely to be covered. Like most other matters, sudden or unforeseen incidents can be covered. The answer for decks and porches is not as clear as for other structures, so it’s important to contact your insurer and ask these questions

While you most likely have a metal, plastic, or wooden shed, some homeowners have heavy-duty sheds or other outbuildings constructed of stone or brick. Are these structures covered?

Once again, it depends on the circumstances. However, many insurance policies will cover these outbuildings to some extent, under the same circumstances as other structures (ie repairs not covered due to lack of maintenance or damage over time).

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Filing an insurance claim can seem like a daunting task, but it doesn’t have to be! Fortunately, when you make a successful claim, the insurer is responsible for paying your contractor. So your biggest job is to find a reputable, professional contractor!

The team at Royal Masonry has built a solid reputation for superior customer service and the highest quality stonemasonry in Southern Ontario. Our mission is to provide you with the highest quality work at the right price. You can be sure we’ll get the job done right the first time.

Our professional approach and superior customer service means you can relax in the knowledge that your project is in safe hands. Trust the experts at Royal Masonry for any masonry service you need. Contact us today and find out for yourself why our customers highly recommend us to their friends and family. Cover your home, contents or both against certain unexpected events – from storms and floods, to fire and theft and more.

Whether you own and live in your home, rent it or are a tenant yourself, you can rest easy knowing you are protected by Victoria’s market leader in home insurance.

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Whether you’re ready to buy insurance or need to manage an existing policy, you can get started online.

Cover to repair or rebuild your home, including garages, carports, sheds, fences and pools, as well as fixtures such as lights and cupboards.

Cover for tenant damage, rent arrears and more – whether you’re insuring the building, contents or both.

Cover the belongings you keep in the home you rent, plus temporary accommodation if you can’t live there after an insured event.¹

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This covers damage caused by falling trees and branches, a car that has lost control, power poles or aerials.

Loss or damage caused by exploding things such as gas boilers or electronic devices. Plus, the resulting landslide or subsidence.

Damage caused by animals that are not kept on your property. This does not include pests, insects or birds.

Use two or more eligible policies and save 10% on each – so combined policies automatically save.*

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The longer you stay a member, the more you’ll save on selected products with our annual membership discount.*

New address or contact information? Quickly update your information online. For all other cover changes, please call us at 13 72 28.

This is the amount you pay when you make a claim, including claims for fusion cover and portable items (if you’ve added them to your policy). Choosing a higher basic excess can lower your premium.

Your basic excess can be $100, $200, $300, $500, $750, $1,000, $2,000, $3,000, $4,000 or $5,000. If you’re 50 or older, you can choose $0 excess instead of $100.

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If you choose to add accidental damage coverage and make a claim, you’ll pay a $300 excess instead of the base excess.

If a special excess applies to your policy, you will have to pay this as well as the basic excess.

Yes, you can choose monthly direct debit installments or one annual payment. Keep in mind that paying annually will save you some money.

If you are taking out a new policy, you can choose the payment frequency when you register. Already have a policy? Call 13 72 28 to switch to monthly payment at renewal time.

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The amount you insure your home and contents for (we call this the ‘sum assured’) should be enough to rebuild your home or replace your contents if you had to do it today.

Remember, when we talk about your home, we don’t just mean the building itself. If you have things like fences, sheds, in-ground pools or covered carports, those also count.

Choosing a higher basic excess can lower your premium. But remember, if you file a claim, you’ll pay more out of pocket.

When you have two or more qualifying insurance policies, you’ll save 10% off each, thanks to our multi-policy discount. This means that the combined build and content rules are automatically saved.

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But it’s not just for home insurance – all motor, caravan and trailer insurance policies, as well as boat insurance policies are also eligible.

The longer you’re a member, the more you can save on insurance policies (and other eligible products). It’s our way of thanking you for staying with us.

Apartment buildings are usually covered by strata insurance, but you can get contents insurance for things you keep in your apartment.

Buildings insurance covers the facilities on your property, from the building you live in, to fences, sheds, garages and in-ground pools. It also covers permanent fixtures and fittings – think floorboards, cabinets and even solar panels.

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Contents insurance covers things you keep in and around your home that are not permanently attached. This means everything from furniture and appliances to curtains and carpets.

Your carpets and rugs are covered if you have taken out Contents Insurance, Combined Building and Contents Insurance, Landlords Contents Insurance or Owners Building and Contents Insurance.

If you want to secure any category for more than this, you can list them as valuable content.

Once you’ve taken out insurance that covers your contents, you can add portables to your policy. This covers items if they are lost or stolen anywhere in Australia or New Zealand. You will also get limited coverage anywhere else in the

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