What does a chimney chase cover replacement cost, and will insurance pay for it?
What a chase cover is
Homes with a factory built fireplace often have a wood framed chimney, called a chase, boxed in with siding. The sheet metal pan on top is the chase cover. It keeps rain out of the chase while letting the metal flue pass through, usually with a storm collar sealing the gap.
Why they fail
- Rust: many builder grade covers are thin galvanized steel. Once the coating wears, rust stains streak down the siding.
- Pooling: flat covers hold water. A good replacement has a cross break or slope so water runs off.
- Failed storm collar: dried sealant around the flue lets water run straight into the chase.
- Storm damage: hail dents, and wind can lift or tear off a loosely fastened cover.
What drives the price
Size, metal and access. Stainless steel and copper cost more than galvanized but last far longer. A tall chase on a steep two story roof needs more safety setup. If water has been getting in for years, the plywood top and framing of the chase may be rotted, and that repair often costs more than the cover.
Insurance
A chase cover dented by hail or blown off in a windstorm is generally covered, often as part of the roof claim, so photograph it with the rest of the damage. A rusted cover or rot from a long term leak is usually excluded as wear. See wear and tear vs storm damage and wind damage claims. Robust Roofing's guide to chimney leaks and flashing covers the related repairs.