After receiving a chimney evaluation you may have just found that your chimney needs some serious repairs. This may not be a good time financially for you to make a huge payment. The question you may be asking yourself is can your insurance company cover your repair? The answer to this question depends on a couple of factors. It depends on the amount of damage that was done, and it determines what caused it. Please consult with a homeowners insurance company and a chimney repair company to answer these questions in detail.