When a chimney fire occurs or lightning strikes your chimney, damage is incurred. Most folks’ insurance policies cover such occurrences, and a chimney professional must try to help homeowners to make the insurance process go as smoothly as possible. My number one recommendation when it comes to insurance claims, no matter what kind of insurance, is to document everything at the very beginning of the process. You need to be sure to document the date it occurred, the name of the professional(s) who come out to evaluate the situation, and the date(s) the professional evaluated the situation. Your professional should also be doing some documentation as well.