Tuck point or rebuild chimney?
The 84-year-old chimney on my 130-year-old house was damaged when a large tree struck it. It now has a diagonal crack all the way across the front of the chimney. In the following two weeks, the crack has widened, leaving large gaps between the mortor and bricks. Additionally, bricks below the crack have now settled, so that they are not in line with adjacent bricks. It appears that the upper half of the chimney juts out or, rather, that the bottom half has been pushed back. The insurance adjuster is falsely claiming that the crack was there prior to the tree falling (not so!), because he supposedly spotted a spider web in one of the gaps. (Apparently, he is unaware that a spider can build a web in one night.) Consequently, the adjuster is only willing to pay for tuck pointing, despite that a contractor has determined that the chimney needs to be rebuilt. Although my untrained eye cannot detect it, the contractor has also stated that the chimney has pulled away from the house. My question is this--will tuck pointing be sufficient or will I have huge problems down the road? Thank you!