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Homeowners insurance can be voided in several scenarios. That can include making too many claims in a short period of time, leaving a home vacant for an extended period of time, renting out a home or room illegally, using a home as a business illegally, and any kind of criminal activity connected to the home.

There are several maintenance tips you should take to ensure your pellet stove's safety and proper maintenance. You should vacuum the ash pan every week to prevent overflowing and clean the stove and surrounding vents every three to four months. It’s also important to get a professional inspection every year and install a carbon monoxide detector close to your stove. Be sure to dispose of hot ashes in a closed metal container; store it outside, away from the house. Only use the pellets recommended by your stove's manufacturer, and follow any cleaning and maintenance instructions.

The National Fire Protection Association (NFPA) says you can place smoke detectors on either the ceiling or the wall, depending on the setup of your room. Since smoke rises, the ceiling makes sense, but if you go with a wall mounting, the alarm should be installed high up—no less than 12 inches from the ceiling. 

No. Removing the cause of concern will only lead to deeper concern. You cannot use any fire-powered appliance like a fireplace or furnace without an escape route for the smoke and fumes. If you remove the flue intending to repair or replace it, you should only use the fireplace, wood stove, or furnace once the flue is in working order. If you cannot replace the flue you have removed, call a chimney repair professional immediately.