What the Heck is a Sudden Occurrence Insurance Claim

Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

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Chase blown over3.jpg copyWhen a chimney fire occurs, wind damage, or lightning strikes your chimney, damage is incurred.  Most folks’ insurance policies cover such occurrences, and a chimney professional must try to help homeowners to make the insurance process go as smoothly as possible. My number one recommendation when it comes to insurance claims, no matter what kind of insurance, is to document everything at the very beginning of the process. You need to be sure to document the date it occurred, the name of the professional(s) who comes out to evaluate the situation, and the date(s) the professional evaluated the situation. Your professional should also be doing some documentation as well.

  • The service technician must document the damage, the date it was discovered, and how they discovered it. Most chimney fires are discovered by chimney sweeps who come out and observe signs that a chimney fire has occurred when running a video inspection of the flue system. This is a dangerous situation which cannot be ignored; you cannot continue to burn wood regularly in your fireplace without repair. You may notice exterior damage on the chimney caused by a lightning strike, in which case the technician should document that he came out to observe possible lightning strike damage at the request of the owner of the home.
  • Most insurance policies do not cover normal wear and tear of the chimney, for example, deterioration over many years. Similarly,
Vertical Crack
Vertical cracks in flue tiles often indicate a chimney fire has occurred.they do not cover problems such as a clogged flue or spalling brick, which is almost always the result of poor maintenance of the chimney. Instead, documentation for insurance claims are used to file a “sudden occurrence.” It has been my experience that most insurance companies are willing to work with you so long as you provide the documentation and information that they require.
  • Fire is only supposed to be contained within the firebox of your chimney. When the fire escapes this area, it often causes vertical cracks in the flue tiles of a chimney, can warp a stainless steel liner, and cause other damage to the chimney and home in general. Documenting your claim on a large, roaring chimney fire is easy, seeing that the fire department must be called. What about slow burning chimney fires, which most home owners are not even aware occurred until a chimney sweep comes out and tells them.
  • Chimney professionals are almost always willing to come out, meet with an insurance agent or a homeowner, and do whatever work is necessary in cases regarding sudden occurrence insurance claims. My policy is to never get ahead of the insurance agency and follow their lead when it comes to the claim, providing what documentation and service they require. Remember, it is not the chimney professional’s job to defend the home owner’s claim, but review observable facts and provide documentation that a person other than a trained professional could not do. Call out one or more professionals if you suspect a sudden occurrence has taken place; they can almost always make the insurance claim process less of a hassle
  • Sudden Occurrence Insurance Claims

  • https://youtu.be/ImkfRabTTPI

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Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

Latest posts by Clay Lamb (see all)

Learn More About Dryer Vent Safety

Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

Latest posts by Clay Lamb (see all)

linteatersystem
Unlike some appliances which need maintenance only when a problem arises, dryer vents need ongoing maintenance to keep them safe. When it comes to a sweeping company, most people really only consider having their fireplaces cleaned, and maybe their furnace, but what about your dryer vent? This must be cleaned regularly in order to best prevent a fire from starting. Here are some tips in caring for your dryer in between servicing.

<—-Gardus RLE202 LintEater system

 

 

 

1. After every load of laundry, clean off the lint screen! This simple task is a habit for most people accustomed to doing laundry, but doing so really increases the efficiency of your dryer.

images-10

2. If your dryer vent (the circular, flexible pipe extending from the back of the dryer to outside of your home) is a vinyl hose, it should be replaced. These are very old dryer vents. Newer models of dryers come with rigid, metal ducts in order to decrease the likelihood of a fire occurring. These rigid pipes are smooth on the inside to keep lint and other debris from catching on the sides and causing blockage. Regarding your chimney’s duct, the shorter the better; the longer the pipe and the more turns that exist the harder your dryer has to work, increasing your electric bill monthly.

Pic courtesy of Chimney Solutions Alanta GA

3. Check the exhaust flap to ensure that you have strong air pressure.

Having your dryer vent serviced yearly keeps your dryer running efficiently for a longer period of time. Dryers that don’t work efficiently causes each load to take longer to dry and for heavy items such as towels to come out still damp. Having to put items back through the cycle again is extremely wasteful. Finally, if there is no lint appearing on the lint screen when you check it for lint (meaning none whatsoever) there is a very good chance that your dryer vent’s exhaust system may be clogged.

Most chimney sweeping companies are also certified for cleaning dryer vents. Don’t skip this process! An inefficient dryer or a fire caused by a clogged dryer vent will cost you more in the long runt. It is very important to check your dryer vents to ensure there is not a  lint buildup! Clogged vents will restrict the  flow of air and the efficiency of the dryer. Your dryer will work much harder and longer to dry your clothes, which  cost you money and energy.
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https://www.youtube.com/user/askthechimneysweep
And other blogs
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Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

Latest posts by Clay Lamb (see all)

Home Improvement: Fireplace Upgrade

Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

Latest posts by Clay Lamb (see all)

Spring is right around the corner, and folks that means its home improvement time. Were you disappointed by your heating bill using a furnace? Or did you struggle with your fireplace all season long? There are so many modernizations available for fireplaces to make them more efficient, send heat further in the room, and much more, which you may want to look into this season while you are working on other parts of your home.

Its true although it may seem counter-intuitive, some fireplace are actually so inefficient that they lose more heat up the flue system than they emit into the room. Extreme cases can actually cause a 20% heat loss! Imagine factoring in an extra 20% to your heating bill from this winter, or more importantly factoring out 20%. Everyone wants lower energy bills, and achieving a lower heating bill next winter is as easy as taking some of the suggestions listed below.

Glass Doors display, at Bromwell Fireplace shop in Cincinnati,  just an amazing store to visit and shop at!IMG_3231

One of the most obvious solutions to the problem of heat loss is to physically prevent the heat from exiting the home. Installing fireplace glass doors is an easy way of doing so which also is an attractive addition to any home. I find these glass doors most helpful when I’m waiting for the fire to go out and its burning low but its still too early to shut the chimney damper. Preventing air from

Fireplace Fireback
This fireplace fireback is decorative cast iron.heading up the chimney is a huge efficiency booster.heading up the chimney is a huge efficiency booster.

heading up the chimney is a huge efficiency booster.

Radiant Fireback

Similarly, the installation of a fireplace fireback is another relatively small price to pay for increased fireplace efficiency. These firebacks can be highly decorative or very simple and can be made of stainless steel or a more expensive, decorative cast iron. Firebacks are simply set in the fireplace behind the grate and amplify the radiant heat from the fire into the room, more so than the firebox wall would. Some manufacturer’s cite huge efficiency increases with the installation of their product, most of which are noticeable immediately after installation.

Fireplace Tool Set

Some people might not think of efficiency of burning as including the stoking and care of the fire before and after the fire burns, but technically speaking if you can decrease your time spent handling the ashes, etc., that makes the fireplace a more efficient heating method because it provides heat in a shorter period of time. A nice tool set will aid in ash removal and stoking the fire so it burns to its maximum potential.

Options to Discuss with a Professional

If your fireplace smokes toward the beginning of your fire or continuously even during the time you are burning a fire, you are burning inefficiently due to a poor draft more than likely. You will want to discuss options with your professional to improve this draft because once draft is improved not only will the smoking problem cease but the fire will burn hotter and longer all the while

Fireplace Smoke Problem
Signs … that this chimney has a poor draft include the smoke stains above  the fireplace opening

needing less care from you once its lit.

You also want to consider carefully if your fireplace has an odor when its raining or humid outside or if you feel cold air when the wind is blowing. In these cases you’ll want to install a top sealing damper, also called a chimney damper cap to close the chimney off at the top when your chimney is not in use.

Finally, a clean chimney is the most efficient version of your chimney without any other alterations because a clean chimney provides for the best draft (besides being  more safe for burning). Having your chimney serviced and swept regularly will provide you with the opportunity to discuss options discussed above with a professional as well as make sure there aren’t any ongoing  problems with your chimney.

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Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

Latest posts by Clay Lamb (see all)