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Smoke Detector Installers questions, answered by experts

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.

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.

If untreated, smoke damage is definitely toxic. Carbon and tar are two types of toxic chemicals in smoke that can damage your lungs and other parts of your body if you breathe them in for long periods of time. If you still smell smoke after the fire, it’s important that you call your restoration team for support.

Some of the most common chimney problems include:

  • Creosote buildup

  • Chimney blockage

  • Deteriorating brickwork or stonework

  • Cracked chimney top

  • Damaged flashing

  • Flue liner damage or deterioration

  • Damaged chimney cap

If you suspect you have a chimney problem, contact a masonry contractor for an inspection. 

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

The Hurley, NM homeowners’ guide to smoke detector installation services

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

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