Get matched with top fireplace pros in White River, SD

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.

The damper, located just above the firebox, can open or close the chimney flue. The damper should remain closed unless there’s a fire burning in the fireplace. Closing the damper prevents energy loss through the chimney and cold air from seeping into the home during the winter. Opening the damper helps maintain airflow when there is a fire and prevents smoke and gases from venting into the house.

Single-pane windows might let in the cold, but if you’re not ready for a long-term solution or window replacement, there are quick fixes to keep your space warmer. Start by sealing gaps with weatherstripping or caulking around the frame to block drafts. For an extra barrier, apply window insulation film to the glass, trapping an air pocket between the film and the window. Thick curtains or thermal drapes can also help keep the chill at bay. And if you’re in a pinch and looking to get creative, bubble wrap can provide a surprisingly effective layer of insulation—just spritz the window with water and press it on, bubble side in.

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.