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Chimney caps are necessary both from a building safety standpoint in most municipalities and to keep your home protected from a variety of issues. Chimney caps are not only mandated by building code in most areas, but they also serve to keep squirrels, raccoons, and other pests out of your home, as well as snow and rain. Therefore, they help to avoid property damage, making them a worthwhile investment.

Yes, a faulty or broken light switch can be a serious fire hazard. Malfunctioning switches, often due to loose connections, exposed wiring, or overheating, can cause sparking or arcing. If you hear a crackling, popping, or hissing sound when you use the switch, it indicates live electricity arcing inside, which is a significant hazard that can ignite nearby flammable materials. If you suspect your light switch is faulty, turn off the power to that circuit at the breaker and contact a qualified electrician to remedy the issue.

Lightning can cause massive damage, fires, and openings for other threats like bugs or fungal diseases. Barring any large fires or explosions, it’s difficult to tell how much damage a lightning strike has done until after a thorough inspection. Contact local authorities immediately if lightning strikes a tree in your yard and it causes a fire or explosion.

Wood-burning fireplaces typically make homeowners insurance more expensive, simply because they increase the risk for a fire in your home. Gas and electric inserts are less likely to bring up your insurance rates, but you should always speak with your agent to understand how installing any type of fireplace will affect your premiums.