Ignoring deteriorating mortar leads to water intrusion, which causes much more expensive problems. Water gets behind the bricks, leading to structural damage, interior leaks, and in extreme cases, chimney collapse.In Suffolk County’s climate, the damage accelerates quickly. Salt air speeds up deterioration, and freeze-thaw cycles make cracks worse each winter. What starts as minor mortar damage becomes a major structural problem.The cost difference is significant. Repointing might cost $1,500 today, but rebuilding a collapsed chimney section can cost $8,000 or more. Plus, you’re dealing with water damage inside your home, mold issues, and emergency repairs during the worst possible weather.