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There are a few things you can look out for to ensure your chimney is safe to use. Check for the following issues:

• Cracks or missing pieces in the masonry of the chimney

• Creosote buildup in the chimney, which is a black, tar-like substance

• Cracks, stains, or scorch marks in the firebox

• Water stains in or around the fireplace

• A broken or stuck damper

A spark arrestor is not the same as a chimney cap. Both sit on the top of the chimney. However, the cap keeps debris from entering the chimney, and the spark arrestor’s primary function is to prevent burning embers from escaping. Some spark arrestors are integrated into the chimney cap, and others are installed separately.

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.

No, but they both serve distinct life-saving purposes. Smoke detectors primarily sense the presence of smoke, typically caused by a fire, and emit loud alarms to alert occupants to evacuate. In contrast, carbon monoxide detectors monitor the levels of carbon monoxide gas, an odorless and colorless but deadly substance produced by incomplete combustion of fuels. When CO levels become dangerous, CO detectors sound alarms to warn inhabitants of potential poisoning risks.