Get matched with top fireplace pros in Greenbush, MN

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.

A hearth often looks like a tile or brick floor that juts out from and surrounds your fireplace. A hearth can be made of stone, brick, ceramic, or any other fireproof material. Brick offers a classic and traditional vibe, whereas a hearth made of marble or ceramic may lean more toward modern aesthetics. The most common depth of a hearth is 20 inches.

Compared to certain types of firewood like pine or spruce—which burn off sticky resin contained within the wood that creates lots of smoke—elm isn’t the worst option for burning in a fireplace.

Because elm wood is dense, it burns at a moderate pace and does a pretty good job of keeping your home warm. Hardwood like maple or oak may perform slightly better, but elm isn’t a bad choice overall.

Although no heating appliance can be entirely risk-free, a fireplace insert is considered a safer alternative to a traditional open fireplace, thanks to their enclosed design. With a sealed combustion chamber, a fireplace insert effectively reduces the risk of sparks and embers escaping into the room, minimizing the chance of an accidental fire.

Additionally, an insert comes equipped with various safety features, such as tempered glass doors that create a barrier between the flames and the surrounding space. This enhances both safety and energy efficiency by preventing heat loss. As an added bonus, many inserts are designed to meet strict safety standards that ensure proper ventilation and combustion.