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Fireplaces questions, answered by experts

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.

Installing a fireplace insert can get you more heat without replacing the whole fireplace and chimney. Other benefits include their convenience (you can turn them on and off with a simple flip of a switch), safety (most models have built-in sensors that will turn off the fireplace if they detect carbon monoxide), a modern aesthetic, and superior energy efficiency.

Cleaning your own chimney can be risky, especially if it hasn't been done in a long time and you lack the proper tools, knowledge, and safety equipment. The process involves getting onto the roof and handling soot, which poses safety issues. Remember, inhaling chimney soot is a significant health risk. Wearing the proper respiratory equipment is required.

You should only use water to put out a fire in your fireplace in an emergency situation. Even then, it is better to use a fire extinguisher to put out a fire quickly. Make sure every room in your house that has a fireplace also has a fire extinguisher—and that everyone in your household knows how to use one.

Electric fireplaces give off more heat than you might think. Because they don’t lose heat through a ventilation system, which is required for wood-burning and gas fireplaces, they’re able to disperse more heat into the room. However, many electric fireplaces are limited to a max of 5,000 or 5,200 BTU heat output, and you can get more from traditional fireplaces.

The Langdon, ND homeowners’ guide to fireplace services

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