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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.

Short circuits can cause significant damage to electrical appliances, bodily harm, and potentially death to humans. For this reason, they are a serious occurrence. If you’re unable to find and fix a short circuit on your own, you must reach out to a licensed electrician for help.

In addition to flashing, a roof cricket can help divert water around your chimney so that it drains properly off your roof. It’s shaped like a double triangle and is installed behind the chimney so that falling water spills evenly down each side. This helps prevent water from accumulating behind your chimney, which can increase water damage and the risk of leaks. 

The International Building Code (IBC) requires cricket installation if a chimney built after 2012 measures over 30 inches in width. Chimneys constructed before that date are typically grandfathered in and aren’t required to have crickets installed.

Yes, a water leak poses a major fire risk at your home because water is a conductor of electricity. Water that comes into contact with sparks or electrical wires can instantly ignite flammable materials. Additionally, any type of exposure to water can cause wires and other electrical components within your home to corrode. When assessing categories of water damage, it's important to know that even a small amount of moisture near wiring could cause sparks that lead to a fire.