Is a Chimney Repair Covered by Homeowner’s Insurance Yes or No

Is a Chimney Repair Covered by Homeowner’s Insurance Yes or No

When is chimney repair covered by home insurance?

Repair is generally covered when there is a loss caused by a sudden and unexpected event like a chimney fire.

Wear and tear, old age, etc. are not covered.

The two possibilities  of when a chimney repair is covered is

when the top is struck by lightning and
when a chimney fire occurs and causes damage. The common element being that an “event” happened.