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Fire Pit Installation questions, answered by experts

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.

If a storm or other natural disaster occurs in your area, you may not have immediate access to help. According to the U.S. Federal Emergency Management Agency, keep a disaster preparedness kit in your home with enough essentials to sustain your family for at least 72 hours. Put this in an easily accessible location to have it handy in case anything unthinkable happens.

A fireplace hearth is necessary in most areas per building codes, especially for gas and wood-burning fireplaces. Electric fireplaces may not require a hearth, so check local building codes or ask a pro for guidance if you’re leaning toward electric. A fireplace hearth can decrease the risk of flying embers creating a fire and burning your home down. That’s why fireproof material, like tile, is used for the hearth.

Glass block windows aren’t fire hazards; fire-rated glass block windows can increase your home’s fire safety. Modern glass blocks are made with materials that can resist high temperatures and prevent fire spread. Most offer a 45-minute fire rating, while some increase it to two hours. Compared to the typical 20 to 90 minute rating for a double-pane window, glass block can increase your home’s safety in the event of a fire.

After a house fire, you should not reenter your home unless the fire crew has told you it’s safe to do so. In the longer term, you should not attempt to make repairs to the house on your own. Professional crews are trained to clean up after a fire (including smoke and soot damage), dry out any water damage from the firefighter crews, and make the necessary structural, plumbing, and electrical repairs—and this is all likely covered by insurance.

The Lindenhurst, IL homeowners’ guide to fire pit installation services

From average costs to expert advice, get all the answers you need to get your job done.