Signs You Need Chimney Repair

A chimney plays an important role in the function of your fireplace and in your roofing system. If the chimney is in need or repair, water can seep into through the chimney causing water damage to the roof or chimney, or a fire can start when you use your fireplace. Knowing the signs of a damaged chimney repair can help you determine when you need to call a professional for repairs.

Damaged Bricks

One of the tell-tale sign that your chimney needs repair is damaged bricks. This may be bricks that are falling apart and/or shifting. If you notice that the bricks around your chimney move when you press on them, have cracks in the mortar, or have obviously shifted, it is time to call in a professional.

Damaged Flashing

Flashing are metal strips that are placed around the bottom of the chimney, where the chimney meets your roof. They are designed to keep water from seeping into your roof. If the flashing is damaged, water will seep in. Damaged flashing may be twisted, rusted or could have even blown off. A roofer or a chimney sweep can inspect your flashing for you.

Smoke Not Going Out the Chimney

The last sign that your chimney needs repair is smoke from your fireplace filtering into your home, rather than up the chimney. This is indicative of a crack or damage to the chimney liner. This can be hazard to anyone in the home, including pets, so it is important to not use your fireplace until this problem has been properly repaired.

In some instances, homeowner’s insurance will cover the damage done to your chimney. If you have questions about chimney damage and your homeowner’s insurance, or simply want to price a new policy out, give Smart Way Insurance Agency a call. We serve the greater Sandy, UT area and would love to help with all of your homeowner’s insurance needs.

Umbrella Insurance in Utah – What it is and Why You Need it

There are two questions that people in Utah seem to ask most often when they first hear about umbrella insurance. Firstly, "what the heck is it?" Secondly, "what does it do for me?" These are both fair and understandable questions, and we at Smart Way Insurance Agency are happy to answer them for you. Umbrella insurance is an insurance that offers a very specific type of coverage – while insurance plans like automobile, homeowners, etc. have a degree of liability coverage, certain people may find that this level of liability coverage is inadequate to their needs. This is where umbrella insurance comes in – umbrella insurance adds an extra layer of liability coverage that extends beyond your regular plans’ coverage.

As for what umbrella insurance does for you, well, it does quite a bit! Recently, for instance, Utah has made illegal cell phone use, so if you are texting and driving and you suddenly hit a pedestrian, this may not be covered by your automobile insurance. As a result, if you do not have umbrella insurance, you could find yourself being made to pay out of pocket for the victim’s medical expenses. You are especially recommended to get umbrella insurance if you own a business and, as such, have a greater chance of someone being injured on your property. If you think that umbrella insurance is something that you want to get, Smart Way Insurance Agency will look into your insurance needs and details to try and find the best plan for what you need in minutes.

It can be a bit intimidating trying to figure out whether umbrella insurance is important for you. People in or around the Sandy area, if you have any questions or concerns, you can contact Smart Way Insurance Agency either online or by phone at (801) 896-7985, and we will try to address them for you.