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Chimney Sweep questions, answered by experts

Yes, most homeowners insurance policies cover fire damage and restoration, provided the fire was not set intentionally or caused by negligence. Accidental fires, such as those from electrical issues, cooking, or gas, are typically covered. Your policy will usually cover emergency services like roof tarping, the full cost of remediation and rebuilding, and may also cover alternative housing while your home is being restored. You will be responsible for paying your policy's deductible. It is important to check your policy details to see how coverage is calculated—it may be for the full replacement cost of damaged items or the actual cash value, which accounts for depreciation. To expedite your claim, contact your insurance company immediately and have all necessary documentation ready.

DIY restoration for small areas is possible with proper safety gear and equipment, though comprehensive damage benefits from professional restoration.

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.

Yes, many HVAC professionals offer emergency repair services for furnaces and other heating systems. These services are especially common during the winter and colder seasons when functional heating is crucial.

Pricing a fire-damaged house is tricky, and it’s best to involve some professionals. First, get a comprehensive repair estimate from a fire damage restoration expert. Next, have a real estate agent get you an as-repaired value for the home, which represents what the house would be worth if fully repaired. Subtract the repair estimate from the as-repaired value to get the as-is value.

The Two Harbors, MN homeowners’ guide to chimney sweeping services

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