Get matched with top fireplace pros in Bolivar, MO

Home insurance prices depend on where you live and the individual insurance company's policies. Some insurers charge a flat fee for fireplaces or wood-burning stoves, which is often a few hundred dollars per year. Other insurers base this fee on a percentage of your annual premium. You may want to check your current or prospective policy before beginning this project.

Fireplaces can theoretically help you save on heating bills if you lower the temperature throughout the rest of your home and heat only a single room that you occupy using the fireplace. However, in most cases, homeowners won’t save any money on heating bills. Gas and electric fireplace inserts could actually lead to a spike in your respective energy bills if you use them frequently, and if you don’t keep up with chimney maintenance and repairs, your traditional masonry fireplace could actually be a source of heat loss in the winter.

There are several ways to determine if your chimney or fireplace damper is open or closed. A simple method is to check for airflow by placing your hand near the fireplace opening; if you feel a draft or hear wind whistling, the damper is open. An open damper might also make the room feel cooler, similar to the outdoor temperature, or cause your HVAC system to work harder than usual. For a more definitive test, you can try a visual inspection, although it may be difficult to see. Alternatively, you can light a small piece of paper and observe the smoke; if it is drawn up the chimney, the damper is open. Always use the damper handle to adjust its position.

Professional chimney cleaning, also known as chimney sweeping, typically costs between $130 and $400, with a national average of about $260. The final price depends on several factors, including the size and accessibility of your chimney, the number of chimneys being cleaned, and the type of chimney you have. A standard cleaning involves a chimney sweep scraping creosote, dirt, and other debris from the entire flue. Many professionals also include an inspection with this service, but the cost of any necessary repairs is typically extra. Additional services, such as installing a fireplace damper, will also increase the total cost. It is recommended to schedule a cleaning and inspection annually, preferably before you begin using your fireplace for the season, and to get price quotes from at least three companies to find the best deal.