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Fire Pit Installation questions, answered by experts

A chimney requires both a cover and a cap, but these parts often get confused with one another. A chimney cover seals the top of the chimney around the flue pipe to prevent water from entering the chimney. A chimney cap is a piece that sits above the flue to prevent animals, debris, and water from entering the flue.

A fireplace hearth is necessary in most areas per building codes, especially for gas and wood-burning fireplaces. Electric fireplaces may not require a hearth, so check local building codes or ask a pro for guidance if you’re leaning toward electric. A fireplace hearth can decrease the risk of flying embers creating a fire and burning your home down. That’s why fireproof material, like tile, is used for the hearth.

An outlet can start a fire if it has blown a fuse, or is sparking, overheating, or smells burnt. Prevent electrical fires by unplugging the device connected to the outlet and hiring an electrician to determine and fix the outlet’s issue. If the outlet stays hot or isn't working, you should fix it.

Homeowners insurance can be voided in several scenarios. That can include making too many claims in a short period of time, leaving a home vacant for an extended period of time, renting out a home or room illegally, using a home as a business illegally, and any kind of criminal activity connected to the home.

Having a pellet stove can indeed raise your insurance rates since they're a relatively common cause of fires in the home. However, rate increases vary by insurance provider so you should reach out to yours to determine exactly how much your rates might increase with a new pellet stove install.

The Katonah, NY homeowners’ guide to fire pit installation services

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