Get matched with top fireplace pros in Riggins, ID

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.

You don’t necessarily need a chimney for a pellet stove. However, all pellet stoves need some type of venting system to get rid of gasses and other potentially harmful byproducts of combustion. If you don’t have a chimney, an alternative option is to vent your pellet stove through an exterior wall of your home.

Deciding whether to buy a prebuilt fireplace kit or build one from scratch comes down to aesthetics, available space, and budget. Many homeowners like the convenience and lower cost of prebuilt options—around $1,500—versus the involved planning and construction of a larger fireplace. Another bonus: you can usually move prebuilt units. Custom projects are more common when homeowners have access to a larger budget and more area in the yard to place the fireplace.

How you stop your fireplace from smoking depends on the cause. Sometimes it’s as simple as opening the damper. Other times, you need to battle air pressure. The best course of action is to ensure proper ventilation, whether that means opening a door or a window; avoid building a large fire, which produces more smoke; and use seasoned hardwoods, which produce less smoke than other types of wood. If the issue persists, call a pro ASAP.