It usually covers the resulting fire damage, although the insurer can still consider whether the chimney and appliance were being properly maintained.

How does a chimney fire start?

• Soot and tar can build up inside the flue.
• That material can ignite when the chimney becomes very hot.

Keeping the chimney clean and sound

• Have the chimney swept at suitable intervals.
• Use the correct fuel.
• Do not overfire a stove.
• Repair damaged liners, pots or flues.
• Keep smoke and carbon-monoxide alarms working.

Maintenance can still be relevant

The fire damage and the condition of the chimney are separate issues. A policy may cover the damage while still expecting reasonable maintenance.