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Regular fireplace servicing is vital for safety and efficiency. You must inspect and clean wood-burning fireplaces annually to remove creosote buildup and address potential issues. Gas fireplaces benefit from annual inspections to ensure proper functioning and safety. More frequent servicing may be necessary if you use your fireplace extensively or live in an area with harsh winters. Always consult a local professional to establish a suitable servicing schedule for your fireplace.

If you have a gas fireplace with an electric ignition and you’re experiencing a power outage, you will need to light your fireplace’s pilot manually before you can start a fire. The instructions should be in the manufacturer’s manual.

Electric fireplaces give off more heat than you might think. Because they don’t lose heat through a ventilation system, which is required for wood-burning and gas fireplaces, they’re able to disperse more heat into the room. However, many electric fireplaces are limited to a max of 5,000 or 5,200 BTU heat output, and you can get more from traditional fireplaces.

Homeowners insurance may cover chimney leaks, repairs, or replacement, but coverage depends on the cause of the damage. If the chimney is damaged by a sudden, covered peril like a lightning strike, storm, hail, fallen tree, or an unexpected fire, your policy is likely to cover the costs. However, insurance generally does not cover damage resulting from normal wear and tear, old age, or a lack of proper maintenance, such as failing to perform regular cleanings and inspections. If a fire or other damage is caused by a known issue you didn't address, the claim may be denied. Additionally, some policies may have specific exclusions for events like high winds or earthquakes.