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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.

Most projects take 5-10 days, including foundation work, masonry, and finishing.

Minor cleaning and maintenance are DIY-friendly, but professionals should handle structural or electrical repairs.

A fireplace's lifespan varies significantly depending on its type, the quality of construction, the materials used, and how well it is maintained. On average, you can expect a fireplace to last between 10 and 30 years, with many homeowners experiencing major issues after about 20 years.

Here's a breakdown by type:

  • Gas Inserts: Typically last 10 to 25 years with proper maintenance.

  • Electric Fireplaces: Have a lifespan of up to 20 years.

  • Traditional Brick Fireplaces: Can last for centuries, but require ongoing maintenance and repairs, such as tuckpointing.

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.

The Kingston, MI homeowners’ guide to fireplace services

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