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Chimney Sweep questions, answered by experts

Yes, most insurance plans cover acts of nature. In policy documents, this also may be called “Acts of God” or “natural disasters.” However, not all acts of nature are covered by your policy, and the extent to which they’re covered depends on your specific contract. Check your policy documents to understand your coverage limits and exclusions.

Homeowners insurance does not cover DIY mistakes, so tread lightly if you plan to tackle your own home repairs or renovations. If you cause damage to your home while attempting repairs or renovations yourself, the cost of fixing the damage is often considered your responsibility. Most policies only cover damage caused by covered perils like fire, theft, or weather—not by homeowner errors.

The most common causes of kitchen fires are leaving cooking food unattended, frying food with excessive amounts of oil, and leaving flammable objects near the stovetop.

The cost for fire or smoke damage restoration services typically ranges from $3,000 to $50,000. The final price depends on the severity and extent of the damage and the specific areas affected.

The first thing you should do when cleaning smoke damage is open all your windows to ventilate the affected area and run an air purifier with a HEPA filter. Cover your furniture and belongings to prevent soot accumulation, and vacuum any soot that’s on the floor and other surfaces. Be sure to wear a mask, gloves, and eye protection when cleaning the affected area.

The Mentor, MN homeowners’ guide to chimney sweeping services

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