It sounds backwards, but the season that damages Plant City chimneys isn't winter: it's summer. From June into September an afternoon thunderstorm builds over the I-4 corridor almost daily, and the rain regularly arrives sideways on gusty outflow. Every hairline crack in a crown, every lifted flashing edge, every worn cap seam gets found and exploited.
The damage announces itself later and elsewhere: a ceiling stain near the chimney, musty odor from the firebox, rust inside the damper. By the time it's visible indoors, water has been traveling the same path for a while, which is why prompt chimney leak repair beats repainting the ceiling twice.
Crowns deserve special mention in this climate. The concrete surface closing off the chimney top takes the full brunt of the bake-and-soak cycle (blazing sun, then a cold downpour, day after day), and hairline crown cracks are the single most common source of the crown-related leak concerns in this climate. A crown repair or rebuild is a modest job that prevents an immodest amount of damage.
A proper chimney cap earns its keep twice in this weather. It keeps sideways rain from pouring straight down the flue during the summer pattern, and it keeps out the birds, squirrels, and wasps that treat an open flue as shelter the rest of the year. Of all the small upgrades a Plant City chimney can get, a well-fitted cap gives back the most per dollar.
Hurricane season adds the June-through-November overlay. A pre-season check of cap, crown, and flashing is cheap insurance, and after any named storm crosses Hillsborough County, a quick look for missing caps, new stains, or displaced bricks is worth the five minutes. Breathable waterproofing rounds out the defense on masonry that takes this pattern year after year.