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Older home with a brick chimney through a red tile roof at dusk as three roofers walk the front path

Roof Replacement

Earthquake Country Roofing: Chimneys and Heavy Tile

Earthquake roofing in California is mostly about two things on an existing house: old unreinforced brick chimneys, the part most likely to fail in a strong quake, and heavy tile coverings that add load the framing must carry. A reroof is the natural time to deal with both, because the chimney flashing and deck are exposed anyway.

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By the Xylo Fix Roofers team · Published

Why chimneys are the weak point in a quake

Brick chimneys on older Bay Area homes were often built without steel reinforcement or ties to the framing. They are tall, heavy and stiff, and they sit on top of a house that flexes. In a strong quake the chimney and the house move differently, and the brick above the roofline can crack at the mortar joints or topple. The 1989 Loma Prieta earthquake, centered in the Santa Cruz Mountains, damaged many unreinforced chimneys across the region.

The USGS records Loma Prieta as a magnitude 6.9 earthquake that struck at 5:04 p.m. on October 17, 1989, with its epicenter in the Forest of Nisene Marks near Aptos. It killed 63 people. On houses, much of the visible damage was at the top: chimneys snapped at the roofline and fell through roofs or onto driveways and porches.

A cracked chimney is also a roofing problem. Cracks open the joint where the flashing meets the brick, and water runs down inside the chase into the attic. Old movement in the masonry is a common starting point for slow chimney leaks.

Planning a reroof on a home with an old brick chimney? Call (725) 745-8803; the free estimate includes a close look at the chimney and its flashing.

Call (725) 745-8803

Should you keep, rebuild or cap off an old chimney during a reroof?

When the roof is open, you have three practical choices. The right one depends on whether you still use the fireplace and what shape the masonry is in.

Chimney options when the roof comes off
OptionWhen it fitsWhat the roofing work involves
Keep and reflashMasonry is sound and the fireplace is in useNew step flashing, counterflashing cut into the mortar and a cricket on the uphill side if the chimney is wide
Rebuild above the rooflineUpper brick is cracked or loose, fireplace still wantedA mason rebuilds the top section; we flash it into the new roof
Remove below the rooflineFireplace unused or converted to another heat sourceChimney taken down below the roof, the opening framed and decked, and the area roofed over

Removing a chimney below the roofline eliminates a leak point and a quake hazard in one step. Check with your building department, since chimney work can need its own permit, and talk with a mason or structural engineer if the chimney carries any load or the fireplace stays in use below.

Two roofers on fresh plywood roof sheathing beside a short masonry chimney stub during a reroof
A cut-down chimney stub surrounded by new plywood sheathing during a tear-off.

How much does tile weight matter in earthquake roofing?

In an earthquake, the forces on a building rise with its mass, and much of a house's upper mass is the roof. Concrete and clay tile weigh several times more per square than asphalt shingles or metal. A home framed for tile handles that load as designed. A home framed for a light roof may not.

That is why switching from shingles to tile is more than a style decision. In Campbell, a change to a heavier covering can trigger a structural engineer's check, and other South Bay building departments take a similar approach. When a tile roof is staying, the reroof is a chance to check fastening, since tiles that are only resting in place are more likely to slide in shaking. Our tile roofing work follows the manufacturer's fastening method for the slope.

Gloved hands setting a nail in gray concrete barrel tiles on a sloped roof as another roofer looks on
Concrete tiles being nailed in place on a sloped roof.

What else can a reroof do for seismic performance?

A roof is more than a covering in an earthquake. The sheathing nailed to the rafters forms a horizontal diaphragm that collects sideways forces and passes them to the walls. Reroof work can strengthen that path in a few practical ways.

Solid sheathing and the nailing inspection

Many older homes that once wore wood shakes still have spaced boards, called skip sheathing, under later roofs. Covering them with structural plywood or OSB, nailed on the required schedule, gives a stiffer, continuous deck. The City of Campbell already requires a sheathing nailing inspection on reroofs, so the inspector sees that work before it is covered.

A lighter chimney top

Owners who want to keep a gas fireplace often have the brick taken down below the roofline and replaced above it with a framed chase around a listed metal flue. The chase weighs a fraction of the masonry it replaces and flashes like a wall. The fireplace insert and flue must suit each other, so that design belongs to a fireplace specialist or mason, with our flashing tied in.

A lighter covering

Moving from heavy tile to a lighter roof such as metal roofing reduces the mass the framing has to restrain. It also changes the look of the house, which matters on Spanish-style homes and on historic properties that need Planning review first.

A worked example

Consider a 1960s house with a brick chimney, an unused fireplace and a shingle roof over old skip sheathing. A reroof scope could take the chimney down below the roofline, frame and deck the opening, add plywood over the boards for the nailing inspection and finish with new shingles. The quake hazard, the leak point and the weak deck are handled in one permitted job.

Where roof meets wall: flashing that has to flex

Buildings move a little in every quake, and the joints between the roof and walls, chimneys and dormers move the most. Rigid seals at those joints crack. Properly layered step flashing and counterflashing let the parts shift without opening a path for water.

  • Step flashing woven into each course of roofing along a sidewall
  • Counterflashing set into a mortar joint or reglet, not just glued to the face of brick
  • A cricket behind wide chimneys so water does not pool against the masonry
  • Fresh flashing at plumbing vents and skylights rather than reusing old metal

Our roof flashing repair service handles these details on their own when a full reroof is not due.

From our roof visits: signs of old quake movement

Thirty-plus years after Loma Prieta, the evidence on older roofs is usually quiet. These are the clues that make us look closer:

  1. Stair-step cracks in chimney mortar, especially just above the roofline.
  2. A chimney that leans away from the house or has a gap opening at the siding.
  3. Counterflashing that has pulled out of the brick and been patched with caulk.
  4. Cracked or shifted ridge and hip tiles with mortar missing.
  5. Patched brick at the top of a chimney that does not match the original.

And the trade-offs we talk through when those clues appear:

  • Removing a chimney ends a leak point and a hazard, but the fireplace goes with it, and some buyers value a working hearth.
  • Rebuilding with a framed chase means coordinating a mason or fireplace specialist alongside the roofers, which adds a step to the schedule.
  • New counterflashing needs sound mortar to grip. Crumbling joints have to be repointed first, or the new metal fails as quickly as the old.
  • An engineer's review for a heavier roof adds time and a fee, but it is cheaper than discovering undersized rafters after the tile is delivered.
Tall red brick chimney with a metal cap rising from a gray shingle roof as two roofers walk past
An older brick chimney above the roofline, where mortar joints should be checked for stair-step cracks.

Seismic roofing checklist for older homes

Use this before any reroof on a home from before the 1990s. Owners in hilly Los Gatos and coastal Santa Cruz see more brick chimneys and tile on older homes than many valley tracts do.

  • Have the chimney looked at above and below the roofline.
  • Decide whether the fireplace stays in use.
  • Confirm the framing can carry the roof you want.
  • Ask how tiles or panels will be fastened.
  • Make sure flashing is new, layered and not caulk-dependent.
  • Confirm permit requirements with the local building department.

Put simply, the best time to fix earthquake weak points on a roof is when the old roof is already off. Decide the chimney's future, match the covering to the framing, insist on layered flashing and let the nailing inspection confirm a solid deck. Foundation bolting and wall bracing are separate projects worth asking a retrofit contractor about.

Thinking about a reroof on a home with an old chimney or tile? Book a free written estimate and we'll photograph the chimney, flashing and deck for you.

Call (725) 745-8803

Questions readers ask

Can you remove my chimney during a reroof?

Yes. Removing an unused chimney below the roofline during a reroof is common, and we include it in the scope when the homeowner chooses that route. The opening is framed, decked and roofed with the rest of the house. Check with your building department about permits, and have a mason or engineer weigh in if the fireplace below stays in use.

Is a tile roof dangerous in an earthquake?

Not when the house was built for it and the tiles are fastened correctly. Problems come from heavy tile added to framing designed for a lighter roof, or from loose tiles that can slide in shaking. If you are moving from shingles to tile, ask your permit office whether an engineer's review is needed.

Did Loma Prieta damage chimneys in Santa Clara County?

Yes. The 1989 earthquake was centered in the Santa Cruz Mountains, and many unreinforced masonry chimneys across Santa Clara and Santa Cruz counties were damaged. Chimneys that were repaired with patching rather than rebuilt can still show cracks, so they deserve a close look at any reroof.

Does a new roof make my house safer in an earthquake?

A reroof can help in specific ways: removing or rebuilding a cracked chimney, choosing a lighter covering, fastening tiles properly and replacing damaged sheathing. It does not replace seismic work on the foundation or walls, which is a separate project for a structural engineer or retrofit contractor. Ask about both if your home is older.

Does homeowners insurance pay for earthquake damage to a chimney or roof?

Usually not. Standard California homeowners policies exclude earthquake damage, which is covered by a separate earthquake policy, such as those offered through the California Earthquake Authority, often with a deductible set as a percentage of dwelling coverage. Read your own policy, and after any quake photograph cracked masonry and roof damage before temporary repairs so the record is complete.

Sources

Written by the Xylo Fix Roofers team

A family-run roofing crew based at 16135 E Mozart Ave in Campbell, writing from what we see on South Bay roofs. Questions about your own roof? Contact us.

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  • Family-run Campbell team
  • Free written estimates
  • 64 Google reviews
  • Insurance-claim photo documentation

Xylo Fix Roofers · 16135 E Mozart Ave, Campbell, CA 95008 · (725) 745-8803

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