Click to Call Client Center
Great Lakes State Agency

4787 Okemos Rd
Okemos, MI 48864

Get Directions

Insurance Blog

Signs Your Chimney Needs to Be Repaired

Your chimney works hard all winter, but many homeowners overlook it until problems arise. Identifying warning signs early can prevent expensive repairs and dangerous situations for your family. Great Lakes State Agency, serving Okemos, MI, helps homeowners spot these issues before they escalate and protect their investment.

White Staining and Crumbling Mortar

Have you noticed white chalky marks on the exterior of your chimney? This staining, known as efflorescence, occurs when water seeps through the masonry and leaves mineral deposits behind. Water should not be penetrating your chimney walls. Additionally, inspect the mortar between your bricks. Crumbling or missing mortar creates larger openings for water to enter. Winter exacerbates this issue as water freezes and expands, causing further cracks in your chimney structure.

Rusted Damper or Firebox Issues

Use a flashlight to inspect your fireplace from the bottom. If you notice rust on the damper or firebox, moisture is infiltrating areas it shouldn’t. Check the walls around your fireplace for signs of damaged paint or wallpaper, which may indicate heat or moisture escaping through your chimney instead of venting properly. Odors coming from your fireplace often signal animal nests or mold growth caused by water damage.

Crown Cracks and Cap Problems

The concrete crown at the top of your chimney is designed to protect the structure beneath it from rain and snow. Large cracks in the crown allow water to seep into your chimney. Missing chimney caps can cause similar issues while also inviting animals to nest inside.

Protecting Your Investment

Don’t wait for minor issues to turn into major problems. Contact the Great Lakes State Agency, serving Okemos, MI, today to review your home insurance coverage and ensure your chimney is protected.

Partner Carriers

  • AAA
  • Accident Fund
  • American Strategic
  • Auto Owners
  • Bristol West
  • Chubb
  • Citizens Insurance
  • Foremost
  • Hagerty
  • Hanover
  • Hartford
  • Hastings Mutual
  • Liberty Mutual
  • Markel
  • Merchants
  • Nationwide Insurance
  • Progressive
  • Safeco
  • Secura
  • State Auto
  • Travelers
  • Wolverine Mutual