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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.

The cost to replace a chimney damper ranges from $160 to $520, depending on the type of damper and the complexity of the installation. If you're looking to repair an existing damper, expect to pay around $100 and $225, depending on the extent of the damage and your location. Hiring a professional ensures proper installation or repair, which can help maintain energy efficiency and prevent drafts, making it a worthwhile investment for long-term savings.

No. Pellet stoves are specifically designed to burn manufactured wood or biomass pellets. Attempting to burn other materials, such as regular firewood or paper products, can damage the stove, compromise its efficiency, and even pose safety hazards due to inconsistent combustion and increased emissions. It's crucial to follow manufacturer guidelines and only use pellets that are specifically recommended for your pellet stove model to ensure safe and optimal performance over its life span.

When your wood stove catalyst goes bad, it can cause your stove to produce less heat or run slower than normal. You might also notice thick black smoke coming out of your chimney. If you notice any of these signs, contact a professional who installs wood-burning stoves and repairs them for an inspection and fix.