Get matched with top fireplace pros in Drummond, WI

A fireplace's lifespan varies significantly depending on its type, the quality of construction, the materials used, and how well it is maintained. On average, you can expect a fireplace to last between 10 and 30 years, with many homeowners experiencing major issues after about 20 years.

Here's a breakdown by type:

• Gas Inserts: Typically last 10 to 25 years with proper maintenance.

• Electric Fireplaces: Have a lifespan of up to 20 years.

• Traditional Brick Fireplaces: Can last for centuries, but require ongoing maintenance and repairs, such as tuckpointing.

Pellet stoves are much more energy efficient than traditional fireplaces, and the pellets they burn create fewer emissions, leaving indoor and outdoor air cleaner. Plus, the biomass pellets are made from recycled materials, making them even more eco-friendly. You can also adjust the temperature of a pellet stove and go about most of your day without needing to tend to it.

There are six main choices of fireplace inserts: wood-burning, gas, propane, pellet, electric, and coal. Coal fireplace inserts aren’t as popular as they once were because burning coal emits a lot of carbon monoxide. Any fireplace insert will require proper supervision, and it’s a good idea to install a carbon monoxide detector in the room for added safety.

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.