What damage to a chimney insurance policy will not covered if you do noy update repairs?

If you fail to update repairs on your chimney, your insurance policy may not cover damages resulting from pre-existing issues, such as wear and tear or neglect. Additionally, if the damage is deemed to be due to lack of maintenance, such as creosote buildup or structural deterioration, the insurer may deny your claim. It's essential to keep your chimney well-maintained and documented to ensure coverage for potential damages.