Is hidden structural chimney damage covered by homeowners insurance?

If you have an "all-risk" policy, interior water damage, including hidden damage, should be covered. However, if for example your chimney is "leaning out." Your policy states, in the "Conditions" Section under "Your Duties After Loss" that you must give prompt notice to your company of facts relating to the claim (damage), you must protect the property from further damage, and you must make reasonable and necessary repairs to protect the property (language varies by state). If the chimney started leaning a long time ago, and if the water entry is due to worn-out chimney flashing indicating poor maintenance, you may be better off fixing it yourself. If an adjuster or your agent observes poor maintenance, he may submit your claim for an Underwriting Review and your policy could be non-renewed.