Is hidden structural chimney damage something that my home insurance policy covers?

Whether or not hidden structural chimney damage is covered by a home insurance policy depends on the specific policy and the cause of the damage. Here are some things to consider:

• Covered perils: Home insurance policies typically cover certain perils, or causes of damage, such as fire, wind, hail, and water damage. If the hidden structural chimney damage was caused by a covered peril, then it may be covered by the policy. However, if the damage was caused by a peril that is specifically excluded from the policy, then it will not be covered.
• Policy exclusions: Home insurance policies also typically have exclusions, or situations in which coverage is not provided. Common exclusions include damage caused by floods, earthquakes, and normal wear and tear. It's important to review the policy's exclusions to understand what is not covered.
• Endorsements: Some home insurance policies offer optional endorsements, which provide additional coverage for specific situations. For example, an endorsement may provide coverage for damage caused by a sewer backup or a sump pump failure. It's important to review the policy's endorsements to understand what additional coverage may be available.
• Deductibles: Home insurance policies typically have deductibles, which is the amount the policyholder is responsible for paying before the insurance kicks in. It's important to understand the policy's deductible and how it will affect any claims made.
• Inspection requirements: Some home insurance policies require regular inspections of the home's chimney and other structural elements to ensure that they are in good condition. If the policyholder fails to perform these inspections, then any resulting damage may not be covered by the policy.

In summary, whether or not hidden structural chimney damage is covered by a home insurance policy will depend on the specific policy's coverage, exclusions, endorsements, and inspection requirements. Homeowners should review their policy's terms and conditions, and speak with their insurance provider to clarify any questions or concerns they may have.