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Fireplaces 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.

Replacing older chimneys or fireplaces, like wood-burning stoves, with something more eco-friendly can actually increase the value of your home. Some homeowners opt to remove chimneys as they pursue LEED certification, which may also increase the value of your home. But in general, many potential buyers actually look for operational fireplaces in homes, so removing a chimney and fireplace could decrease your home’s value by up to $5,000.

Common issues discovered during a chimney inspection or cleaning include creosote buildup, cracked liners, structural degeneration or masonry degradation, and obstructions such as blocked flues or animal nests. These issues are potential safety hazards that can lead to combustion problems or poor air quality if not addressed.

Cracked panels, worn-out seals, faulty dampers, and firebrick damage often need professional attention.

Pellet stoves are designed to run for several hours at a time. Running them for an entire day is not uncommon. More advanced models can run continuously for up to 48 hours, making them ideal if you live in extremely cold conditions and don't want to keep refueling the stove.

The Allenton, MI homeowners’ guide to fireplace services

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