
Rust streaks on a sided chimney, or a stain on the ceiling below it?
- Rust running down the siding from the top of the chimney
- Standing water visible on the flat metal cover after rain
- A ceiling stain one floor down, with nothing visible up top
Why it happens in Loveland: 64% of homes in Loveland went up after 1980, and at that age a great many chimneys are wood-framed chases around factory fireplaces rather than masonry. The weak point is the chase cover: most were fitted flat in galvanised steel, so they hold standing water after every storm, rust through from the top, and then drain into the wood framing below, where the damage stays invisible until a ceiling shows it, often years in.
What fixes it, and what it costs
A replacement cover in stainless, sloped, with a drip edge and a properly sized collar. It is inexpensive against what it prevents, and the one genuinely permanent fix on this list. If water has already been getting into the framing, that is opened and dried before the new cover goes on; covering wet wood just moves the problem indoors.
- Single flue, 304 stainless, fitted
- $150–$400
- Single flue, galvanised
- $90–$220
- Multi-flue cover, made to measure
- $500–$1,200
























