A chimney fire may be obvious—roaring, vibration, flames, or dense sparks—but some are not noticed at the time. If you suspect one, get everyone to safety, call emergency services, and do not attempt to fight it from the roof.
Do not resume use after the event. Heat can affect clay tiles, metal liners, joints, masonry, connectors, and nearby construction. A Level 2 camera chimney inspection can document internal surfaces, while exterior and accessible surrounding components also need review.
The findings may lead to clay flue tile repair, chimney liner repair and relining, masonry work, or cleaning, but no specific repair should be assumed before evaluation. Preserve emergency and inspection documentation for insurance discussions.