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Home insurance prices depend on where you live and the individual insurance company's policies. Some insurers charge a flat fee for fireplaces or wood-burning stoves, which is often a few hundred dollars per year. Other insurers base this fee on a percentage of your annual premium. You may want to check your current or prospective policy before beginning this project.

Certified fire door inspectors should inspect fire doors. These professionals receive training to specifically assess the condition, functionality, and compliance of fire doors. They often hold credentials from groups like the Door and Hardware Institute (DHI) or the International Fire Door Inspector Association (IFDIA). While fire marshals won’t usually do hands-on inspections, they’ll check that doors are being maintained properly during routine safety audits. If a building relies on fire doors for code compliance, it needs someone who understands the details—the difference between a cosmetic issue and a safety failure—and standards to sign off with confidence.

Yes, a water leak poses a major fire risk at your home because water is a conductor of electricity. Water that comes into contact with sparks or electrical wires can instantly ignite flammable materials. Additionally, any type of exposure to water can cause wires and other electrical components within your home to corrode. When assessing categories of water damage, it's important to know that even a small amount of moisture near wiring could cause sparks that lead to a fire.

The National Fire Protection Association (NFPA) says you can place smoke detectors on either the ceiling or the wall, depending on the setup of your room. Since smoke rises, the ceiling makes sense, but if you go with a wall mounting, the alarm should be installed high up—no less than 12 inches from the ceiling.