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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.

Chimney crowns should be at least 2 inches thick at their thinnest point. If the crown is thinner than 2 inches, it’s more likely to be damaged and allow water to seep into the chimney.

Chimney crowns may be stone, concrete, or metal but most crowns are made of concrete. It’s not recommended to build chimney crowns with mortar (which is different from concrete) due to it’s weaker composition (especially when exposed to the outside elements). Most chimney crowns are custom made to fit your home’s specific chimney.

The time required for a chimney inspection depends on the inspection level. A Level 1 inspection typically takes between 45 minutes and two hours, with an average of about an hour and a half. A Level 2 inspection usually takes less than two hours. A more in-depth Level 3 inspection can take up to five hours, or even multiple days if it requires removing materials. The total duration also depends on the chimney's size, condition, and how long it has been since its last inspection; chimneys with severe damage will require a longer inspection.

Common problems include pilot light failure, clogged burners, and faulty ignition systems. Regular maintenance prevents many issues.

The Lapeer, MI homeowners’ guide to fireplace services

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