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There are a few things you can look out for to ensure your chimney is safe to use. Check for the following issues:

• Cracks or missing pieces in the masonry of the chimney

• Creosote buildup in the chimney, which is a black, tar-like substance

• Cracks, stains, or scorch marks in the firebox

• Water stains in or around the fireplace

• A broken or stuck damper

Beyond having an inspection, it’s important to do chimney maintenance at least annually to be certain the chimney is safe to use. Cleaning the flue of any built-up particles, creosote, and soot reduces the risk of fire. Fortunately, the cost of hiring a pro to do a chimney inspection often includes a chimney cleaning, so you may not have an extra expense for maintenance.

Generally, an oil furnace is considered safer than a gas furnace for several reasons. While both types of furnaces can produce carbon monoxide, a leak in an oil furnace is easier to detect due to the smell. Oil furnaces also don't connect to a gas pipeline, which reduces the chance of a fuel leak. Most importantly, heating oil is not combustible, whereas natural gas is highly flammable. This means there is a much lower risk of combustion or explosion with an oil furnace. However, an oil furnace can still pose a fire hazard if it tips over.

Costs range from $500 to $5,000, depending on fire alarms, sprinklers, and safety equipment.