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Depending on who’s doing the estimating, about 22,000 to 25,000 chimney fires happen each year in the United States. Given the fact that millions of Americans have fireplaces (and chimneys), that means chimney fires aren’t exactly common—but they’re not rare, either. Since they’re so dangerous, it’s important to take precautions to prevent them.

In many cases, homeowners insurance covers smoke damage remediation, but coverage depends on the cause of the damage and the specifics of your policy. Typically, damage from a house fire, wildfire, or even a fire in a neighboring home is covered. However, damage from cigarette smoke is generally not covered.

Before filing a claim, review your policy to understand what is covered, such as restoration costs, replacement of damaged items, and temporary relocation. It's crucial to document all damage thoroughly, including to furniture and personal belongings. Contact your insurance provider promptly to start the claim process and get an evaluation before hiring professionals. Your insurer may also provide a list of approved smoke remediation companies to streamline the process.

Some of the most common chimney problems include:

• Creosote buildup

• Chimney blockage

• Deteriorating brickwork or stonework

• Cracked chimney top

• Damaged flashing

• Flue liner damage or deterioration

• Damaged chimney cap

If you suspect you have a chimney problem, contact a masonry contractor for an inspection. 

All of the components of stucco are non-combustible, so the siding material won’t ignite or spread fire to the interior of your home. However, it also expands and contracts with changes in temperature, so it will crack from long exposure to heat. Eventually, fire will spread through those cracks. Still, stucco is one of the best siding materials for fire protection and can keep you and your family safe for an hour, on average.