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What You Need to Know About Chimney Fires and Insurance

Whenever you use a fireplace or stove that requires the use of a chimney to heat your home, there is the possibility of a chimney fire. While scheduling routine chimney maintenance and professional chimney sweeping services will keep your chimney as safe as possible, you should still understand some basics about chimney fires and insurance. Here is some information about the Minneapolis chimney insurance claims procedure. If you have any further questions, or need to schedule any services for your chimney, contact 2nd Generation Chimneys. We have the answers to any questions you may have about Minneapolis chimney insurance claims.

First of all, you need to initiate your claim right away. Contact your insurance company to do so, and try to get your claim number as soon as possible. Then you must find a reliable contractor to work with. This contractor will act as a liaison between you and the insurance company you use. Make sure that you are working with a dependable, qualified contractor.

Your contractor may have you sign a contingency contract, which serves as a written agreement between you and the contractor. Many insurance companies will not work with a contractor on a restoration without this type of contract. In most cases, if you have the proper insurance, you will only wind up paying your insurance deductible in the event of a chimney fire. Make sure that you have a good grasp on the details of your insurance policy. You do not want to have a chimney fire occur in your home, only to realize that the resulting damages are not covered by your policy.

Generally speaking, an insurance payment will occur in two phases. You will get a first check, representing the actual cash value, which will be released once your insurer agrees to the damages and their worth. The final replacement check is issued once the project is complete.

When you are looking for information about Minneapolis chimney insurance claims, or if you need a contractor you can work with in complete confidence, call 2nd Generation Chimneys today. We can handle your evaluations and reports, claim loss recovery and chimney restoration needs. Call today to get started.

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