ARE CHIMNEY CLEANING & INSPECTION NECESSARY FOR AN INSURANCE CLAIM?

In a moment of planning, you may ask yourself “is my home insurance still valid if I don’t have proof that my chimney is properly maintained?” The answer is, that if something happens involving your chimney or fireplace, no. It’s likely not.

Many insurance policies specify that your chimney and fireplace are only insured when properly maintained. They may not ask you for proof of proper maintenance until you file a claim, but they will want it then. Your

chimney is a vulnerable spot in your home’s defense against the elements. Even when covered by a chimney cap, the typical brick chimney presents a large vertical opening to the rain and snow. The mortar of chimney crowns can crack, and lightning can damage the bricks.

Fire statistics show that each year on average over 30 thousand houses have chimney fires. Chimney fires can not only destroy homes but also endanger the occupiers of the dwelling.

Homeowner’s insurance can cover damage to your property caused by sudden and unforeseen events such as fires, flash floods, lightning strikes, and wind damage. In the case of a chimney, an insurance company will closely scrutinize the facts and evidence in the claim. Your policy might exclude damage caused by poor maintenance or normal wear and tear on your house.

WHAT SHOULD YOU DO?

Have a camera-assisted inspection. This creates documentation of the condition your chimney is in, and allows you to know without a doubt whether your chimney is in safe condition for wood burning. The images will reveal whether you need repair, and what repair options are right for you if so. That way, when you do have a fire you can do so knowing your chimney is fully functional.

Not only is sweeping and inspecting your chimney a good idea in general, your home insurance policy may require it. So if you haven’t already, you’ll want to check with them for exact expectations they have regarding sweeping or inspecting your chimney.

YOUR INSURANCE CLAIM

Insurance companies differ in their approach to fires that may be caused by a lack of chimney cleaning. There are two dangers to not having a clean chimney: the fire itself and how the insurance company with handle it. Whether your policy is clear or ambiguous, you’ll fare better if you have documentation of annual chimney cleaning.

If a fire occurs you may be required by the terms of your policy to produce a cleaning certificate. However, whether or not required, without it the insurance company could refuse to pay out. If they believe a fire was caused by your failure to have regular chimney cleaning and inspections, your insurance claim won’t be paid.

Whatever the terms of your policy (and the difficulty of proving negligence), the greatest risk may, of course, be to your own personal safety. Also if a fire causes injury or death to third parties, you could well face civil or even criminal proceedings.

You need your chimney flue and ventilation pipes cleaned at least once a year. Having annual chimney sweep service will ensure you’re fulfilling your insurance obligations. Make sure to read your policy carefully. Most policies will require professional chimney sweeping annually. If you need to make a claim, having a recent chimney sweeping certificate shows that you actively maintain your home.

DO ALL CHIMNEY SWEEPS PROVIDE CERTIFICATES FOR THEIR WORK?

All qualified chimney sweeps provide written documentation of their work. You may receive a digital or paper receipt. This is for the homeowner’s peace of mind and to fulfill insurance conditions.

In Conclusion, contact the Irish Sweep to discuss chimney and fire safety. You’ll benefit from using a quality professional chimney sweep.

WHY YOU NEED FIREPLACE CHIMNEY CLEANING EVEN IF YOU DON’T USE IT

Chimneys need to be swept to remove residue that can block the flue and prevent proper drafting. This also removes flammable deposits which can cause a chimney fire. All types of appliances which burn fuel and vent to the outdoors should be inspected annually and cleaned when needed.

Plenty of homeowners assume they don’t have to clean their chimneys out if they don’t use them. Unfortunately, it doesn’t work out that way. If you don’t use your chimney, nature will. If you infrequently use your chimney, it can start to look like a great place for a nest to birds, squirrels, or raccoons. Their nesting debris, along with any sticks or leaves blown in, need to be removed to ensure that your chimney isn’t a fire hazard. Have a professional inspect and sweep your chimney to make sure it’s safe.

Have chimneys cleaned at least once a year, usually before cold weather sets in. Scheduling a fall cleaning will also clear out anything that might have fallen into the chimney during the summer.

SIGNS YOU NEED A FIREPLACE CHIMNEY CLEANING EVEN IF YOU HAVEN’T BEEN USING YOUR FIREPLACE:

STRONG ODORS

If you had strong odors coming from your chimney the last time you used it, you probably have an issue with your chimney. Fires should produce a pleasant odor from the burning wood rather than from the soot that is stuck within your chimney. A drafting problem can easily cause smoke to gather in your home rather than going up through the chimney. Avoid smoke damage by paying attention to strong smells when burning a fire.

CREOSOTE BUILD UP IN FIREPLACES

Creosote is a flammable substance that builds up in fireplaces and needs regular cleaning to prevent chimney fires. If the last time you had your chimney cleaned was before the previous burning season, then you have creosote in your chimney. Especially if you haven’t had the chimney cleaned since moving into a new place, you can’t know how much creosote is in there, waiting to light at the next fire. The only safe choice is to start a new fall/winter season with a clean chimney.

HEARING ANIMALS INSIDE

Chimneys that are not in use are warm, dry places for animals and birds to call home. Chimneys are notorious for hiding birds nesting spots, and this can be a safety hazard. Nests can block the exit point of a chimney and cause smoke to back up into your home. Nests can also cause a fire on top of your home. If you hear animals or birds inside your wall or chimney you’ll need help clearing them out.

A YEAR HAS PASSED SINCE YOUR LAST CLEANING

As we noted above, you don’t know who’s been nesting in there, or what’s fallen or blown in from the outdoors. That alone creates enough risk to have a fireplace chimney cleaning before you start using your fireplace again.

Look for a chimney sweep credentialed by the National Chimney Sweep Guild or the Chimney Safety Institute of America, like the Irish Sweep.

Annual cleaning and inspections are very important to the safe and efficient operation of your home’s fireplace. The chimney sweeping process averages 45 minutes to one hour.