Get matched with top fireplace pros in Bancroft, IA

An annual inspection can ensure that a fireplace is in proper working order to avoid fire hazards and the release of carbon monoxide into the home. Not all fireplace issues, especially blockages, are easily visible from inside or outside the home, which is why a professional must conduct a thorough internal inspection of all of the fireplace and chimney components.

Homeowners insurance may cover chimney leaks, repairs, or replacement, but coverage depends on the cause of the damage. If the chimney is damaged by a sudden, covered peril like a lightning strike, storm, hail, fallen tree, or an unexpected fire, your policy is likely to cover the costs. However, insurance generally does not cover damage resulting from normal wear and tear, old age, or a lack of proper maintenance, such as failing to perform regular cleanings and inspections. If a fire or other damage is caused by a known issue you didn't address, the claim may be denied. Additionally, some policies may have specific exclusions for events like high winds or earthquakes.

A fireplace that doesn’t require a chimney is simply called a chimneyless fireplace. Don’t confuse these with ventless fireplaces, however. There are some fireplaces that require ventilation via a system of pipes, not a chimney. More specifically, the fireplace in question will likely be called by its name, such as electric, ethanol, or balanced flue.

While you have some flexibility in the types of wood you can use in your outdoor furnace, it's important to make wise choices for optimal performance and efficiency. Hardwoods, such as oak, maple, and cherry, are generally recommended for their higher energy content and cleaner burn. These hardwoods produce more heat per volume and tend to produce fewer creosote deposits, which can accumulate and cause a chimney fire, according to the U.S. Environmental Protection Agency.