Does Homeowners Insurance Cover Chimney Damage? 
A chimney is part of a house . The company knows that your house has a chimney . If the chimney is damaged by a specified peril -LRB- i.e. windstorm -RRB- you can expect coverage . The recovery will be reduced by the deductible . Damage that is the result of wear and tear will not be covered ; it must be a specified peril as named in your policy . 