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Fireplaces questions, answered by experts

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.

While a hot fire can help heat up and loosen tar within your chimney, making it a recommended step before using a creosote log, it will not burn off significant existing buildup on its own. Attempting to remove built-up creosote with a hot fire is dangerous and can cause a chimney fire. For safe and effective removal of caked-on creosote, the best approach is to hire a professional chimney sweep.

Yes, you can close off a fireplace both temporarily and permanently with extremely wide price ranges. Temporary solutions involve fireplace plugs that can be inflated to block air and deflated to open the fireplace, covers, and boards. Permanent methods of shutting off fireplaces usually involve bricking up the fireplace or covering it with drywall. No matter the method, it’s probably best to hire a professional.

Some of the reasons a chimney damper won't close properly include shoddy installation, age-related damage, or heavy snow or ice affecting a top-sealing type. Poor chimney maintenance and a buildup of rust, debris, or creosote can also cause dampers to jam. Annual inspections and chimney sweep costs are worth it to help you avoid a damper disaster. 

There isn’t a way to convert electric fireplaces easily or cheaply to gas. The process requires major renovations, as opposed to wood fireplaces, which are often already vented and have space for the gas-burning equipment. To convert an electric fireplace to gas, you’d need to remove your old fireplace and get a completely new install.

The Allenton, MI homeowners’ guide to fireplace services

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