Get matched with top fireplace pros in Garner, IA

While it is possible to clean your own chimney and fireplace with the appropriate brushes and safety gear, hiring a professional is often recommended. A professional ensures thorough creosote removal and compliance with safety standards. They can also safely access high or hidden areas that may be difficult for a homeowner to reach, providing comprehensive assurance that the job is completed correctly and safely.

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.

Wood-burning fireplaces typically make homeowners insurance more expensive, simply because they increase the risk for a fire in your home. Gas and electric inserts are less likely to bring up your insurance rates, but you should always speak with your agent to understand how installing any type of fireplace will affect your premiums.

Your chimney needs a structurally sound chimney cap, protective lining, damper, chimney flashing, and brick and mortar to prevent water from goind down your chimney. A pro can help you identify where the issue is so that you can stop water from coming down the smoke shaft, through your damper, and into your home.