Get matched with top fireplace pros in Brutus, MI

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.

Like any other household appliance, electric fireplaces can wear out after about 10 to 20 years. With more frequent use, the parts will wear out quicker, and you may get just 7 to 10 years out of a well-loved electric fireplace. Fortunately, electric fireplaces come with a lower upfront installation cost compared to alternatives like gas, so you can install a replacement for less.

How you stop your fireplace from smoking depends on the cause. Sometimes it’s as simple as opening the damper. Other times, you need to battle air pressure. The best course of action is to ensure proper ventilation, whether that means opening a door or a window; avoid building a large fire, which produces more smoke; and use seasoned hardwoods, which produce less smoke than other types of wood. If the issue persists, call a pro ASAP.

Single-pane windows might let in the cold, but if you’re not ready for a long-term solution or window replacement, there are quick fixes to keep your space warmer. Start by sealing gaps with weatherstripping or caulking around the frame to block drafts. For an extra barrier, apply window insulation film to the glass, trapping an air pocket between the film and the window. Thick curtains or thermal drapes can also help keep the chill at bay. And if you’re in a pinch and looking to get creative, bubble wrap can provide a surprisingly effective layer of insulation—just spritz the window with water and press it on, bubble side in.