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Costs range from $1,000 to $10,000, depending on the extent of the damage and affected areas.

Homeowners insurance does not cover DIY mistakes, so tread lightly if you plan to tackle your own home repairs or renovations. If you cause damage to your home while attempting repairs or renovations yourself, the cost of fixing the damage is often considered your responsibility. Most policies only cover damage caused by covered perils like fire, theft, or weather—not by homeowner errors.

All of the components of stucco are non-combustible, so the siding material won’t ignite or spread fire to the interior of your home. However, it also expands and contracts with changes in temperature, so it will crack from long exposure to heat. Eventually, fire will spread through those cracks. Still, stucco is one of the best siding materials for fire protection and can keep you and your family safe for an hour, on average.

Depending on who’s doing the estimating, about 22,000 to 25,000 chimney fires happen each year in the United States. Given the fact that millions of Americans have fireplaces (and chimneys), that means chimney fires aren’t exactly common—but they’re not rare, either. Since they’re so dangerous, it’s important to take precautions to prevent them.