Get matched with top fireplace pros in Kinross, 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.

While hardwoods are the best woods to burn, a few types of woods should be avoided when burning. Wood that has not had time to season, or “green wood,” should be avoided. The extra water in the wood makes it smoke horribly, which is not a quality you want. Additionally, it’s best to avoid any wood that is manufactured or has been treated, including coated or sealed wood, painted wood, or pressure-treated wood. These woods have chemicals that will be released into your air when burned and can cause health problems.

Even if a homebuyer has no intention of using the fireplace installed in the home they’re thinking of buying, it’s vital to know when the fireplace and chimney were last inspected. Aside from learning that it can operate properly, homebuyers will want to know that the structures themselves are sound and won’t affect the integrity of the surrounding home. With full knowledge, homebuyers can then make plans for any necessary repairs before they move in. 

Pellet stoves are much more energy efficient than traditional fireplaces, and the pellets they burn create fewer emissions, leaving indoor and outdoor air cleaner. Plus, the biomass pellets are made from recycled materials, making them even more eco-friendly. You can also adjust the temperature of a pellet stove and go about most of your day without needing to tend to it.