Get matched with top fireplace pros in Edmonston, MD

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 quality pellet stove that receives proper maintenance can last between 15 and 20 years, while most will last at least 10 years. The exact lifespan depends on factors like frequency of use and how well the stove is cared for. Proper maintenance—such as periodically cleaning the vents, vacuuming the ash pan, and refreshing the pellets as needed—can significantly extend its life, making it a worthwhile long-term investment.

There are a handful of things you can look out for that indicate fireplace repair is necessary in your home:

• See or smell smoke in your home during use.

• You smell gas or unusual odors coming from your fireplace.

• The fireplace is visibly damaged or crumbling.

• The igniter won’t light.

• You notice shaling (pieces of chimney lining) building up in your fireplace.

• Any portion of the fireplace is rusted.

• You notice efflorescence (white stains) on the brick.

If any of these signs emerge or you suspect that you have an issue, call in a fireplace repair professional immediately.

Pellet stoves are used as heat sources for homes. They work by burning biomass pallets, which might be composed of wood, sawdust, or food waste. The pellets are stored in the stove's hopper until the stove is ignited, at which point some are released into the stove's firebox to burn for heat. Unlike most fireplaces, pellet stoves have a thermostat that adjusts the temperature by releasing more or fewer pellets, depending on how warm you want to make your living space.