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Chimney Sweep questions, answered by experts

Repairing a fire-damaged home could cost anywhere from $2,000 to $200,000 or more—it all depends on the extent of the damage and the quality of the materials you use. In most cases, your homeowner’s insurance company will cover the majority of the repairs. If you’re buying a home with fire damage, though, it’s best to get an estimate from a fire damage restoration company to estimate the repairs before closing.

Hazard insurance is the part of your overall homeowner's insurance policy that covers the structure of your home and other structures on your property, as well as any personal property within those structures. When a lender requires you to get hazard insurance for your new home purchase, they’re referring to a standard homeowner’s insurance policy.

Common issues discovered during a chimney inspection or cleaning include creosote buildup, cracked liners, structural degeneration or masonry degradation, and obstructions such as blocked flues or animal nests. These issues are potential safety hazards that can lead to combustion problems or poor air quality if not addressed.

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.

Yes, carpets should be replaced after a house fire or significant smoke damage, even if they appear undamaged. Smoke, soot, particulates, and chemicals can penetrate deep into the carpet fibers and padding, making complete removal a complicated and time-consuming process. If water was used to extinguish the fire, it can also soak through the carpet and padding, creating a risk of mold and mildew growth. Due to these challenges and potential health risks, replacing the carpet is the safest and most effective solution.

The Solway, MN homeowners’ guide to chimney sweeping services

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