September 30 – October 6 is
Chimney Safety Week
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.
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.
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.
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.
So you’ve decided to buy or sell your home. What an exciting time! In either case, it’s important to know the condition of the chimney and fireplace system you’re about to either buy or sell.
Buying or selling a home can be a stressful process for everyone involved. You need to know that the value of the property you’re buying aligns with the amount you invest in it. Naturally, you’ll have the home inspected and you’ll likely have it appraised.
If you have a chimney, hiring a chimney sweep for an inspection and cleaning is something that needs to be done.
The National Fire Protection Association (NFPA) and the CSIA recommend that you have a Level II chimney inspection performed when a property is changing hands. Level II real estate inspections make use of video scanning technology, which allows us to see things that a home inspector with a flashlight would miss.
During the inspection, they feed a camera into the chimney flue and scan the walls, checking for cracks, holes, buildup, blockages, and damage. With this equipment, we can see the interior of the chimney up close and focus on areas that look concerning. We’re also able to capture photographs to include in the report provided to you. This can be great for insurance purposes or negotiating purposes and can prevent you from getting stuck with a massive chimney repair bill or a fire or safety hazard that you were unaware of at the time of the sale.
When selling, the prospective buyer will see the current inspection reports, and realize your home is in great condition. The home buyer will be more enthusiastic about putting in an offer on a home that is move-in ready. You’ll be able to command a higher price than a home that needs, or might need, repair.
If you’re buying, requesting the chimney inspection report allows you to know what condition of chimney you’re acquiring.
Today, many insurance companies require an inspection by a chimney certified technician before issuing insurance on a home that has a chimney system.
A fireplace is often an item on the home buyer’s “must have” list. There is no doubt that a functioning chimney system has great charm and aesthetic appeal. Knowing the chimney is safe and usable makes nights by the fire cozier.
Don’t be delayed by missing inspection reports, have the chimney inspected before listing to sell your home. The prospective purchaser wants confirmation that your beautiful chimney is in good working order. Having to wait until the chimney inspection is scheduled and performed delays the purchaser’s final decision. Make it easy to say yes.
In Conclusion, make selling a home a little less stressful by having your chimney inspection by a certified chimney sweep.
While this winter has not been too wet, many are predicting some rain over the next couple months. We don’t anticipate it reaching last year’s levels, but it’s still important that you waterproof your chimney. Water can seep into a chimney and leaks may form. But how does this potentially expensive problem even happen?
Chimneys are beautiful, complex structures. The simplistic bricks or stucco columns are filled with a machine of moving parts and instruments to keep you safe and warm. It is also regularly exposed to nature’s elements. Thus, the likelihood of damage occurring and leaks forming is quite possible. However, with all of the nuances of a chimney, it can often be challenging to find the leak. The following are three of the most common sources for chimney leaks.
This piece covers the top of the flue. It covers the flue and fireplace so water, animals, and debris do not go in. Should the cap be damaged or missing, this leaves most areas of the fireplace exposed. Thus, a rain shower could cause substantial water damage.
Around the chimney and roofline, there is flashing to protect the area against water. Over time, flashing may lose its seal or it could have been improperly installed. Similar to the cap, damaged or missing flashing may dramatically damage your chimney. However, the lack of proper flashing could also harm walls, ceilings, and structures.
As you can already tell, water can be very harmful. Bricks are no exception. Water can have a dramatic impact on masonry around chimneys. This can lead to cracks and bricks falling apart. The problem can then get exponentially worse. Damaged bricks absorb greater amounts of water, leading to further harm.
Numerous signs exist to show leaks in chimneys. The easiest way to notice is if you see water dripping in the firebox after a storm. If you hear dripping, then you’ve got issues. At the same time, do not be surprised for there to be a musty smell. Another sign could be damaged bricks around the chimney. If you see this, you should have your chimney inspected.
While harm may arise, a homeowner can take proactive measures to prevent damage. First, make sure to do an annual chimney inspection. Second, we recommend sealing your bricks on a regular basis.
Should you have any questions or need your annual inspection done by our certified expert, contact Sal at the Irish Sweep.
Chimney removal is often advised, but many homeowners put it off, not considering the benefits of full chimney removal. Many homes have been built with fireplaces for heating, and they also have chimneys. As time has provided the innovation of other, more efficient heating methods, fireplaces and chimneys may not be used so often. Here we look at 5 reasons that you should consider having your chimney removed.
Chimney Removal Aides Home Heating/Cooling
If you are no longer using your fireplace for home heating, it’s possible your chimney is only working against your home heating and cooling efforts. Chimneys left in place may compromise insulation and allow drafts which hamper energy efficient home heating and cooling. Removing a chimney can help to create a more comfortable home environment while reducing energy usage and costs for heating and cooling.
You Want to Reduce Risk of Earthquake Damage
Chimneys are often the first structures to fall in an earthquake. If you haven’t used your chimney for years, it’s likely the chimney is worn out and damaged and at even higher risk of earthquake damage. Even a slight tremor can turn a masonry chimney into brick missiles, causing structural damage, bodily injury and even death to those in the home. With the risk of a major earthquake in California always growing, its best to have your unused chimney removed sooner rather than later.
Your Chimney is Worn and Damaged
In an old and unkempt chimney, bricks may be weak and broken, and mortar may be worn away leaving the bricks insecure. If you’re not using your chimney, it’s easy to neglect chimney care. But a weak chimney faces the possibility of collapse at any time. If your chimney is old and worn it’s better to have it removed than leave it in place.
You Want More Valuable Space
Square footage is valuable in a home, and yet leaving an unused chimney in place can compromise your living space. Removing a chimney can also help you access valuable living space in common areas and bedrooms. A chimney can impact the space in every level and room it passes through. Removing a chimney offers the added benefit of easily accessing more precious space in your home, creating a more modern and comfortable living environment.
You Want To Remodel
Working around an existing chimney when you’re trying to remodel your home can be difficult and costly. In many cases, it can be easier and cheaper to just remove the chimney so you can plan and construct your remodel the way you want. This gives you more space to work with, and freedom from the constraints of needing to work around the chimney.
By contemplating when it really might be worth chimney removal, you can access significant safety and practical benefits. Talk to your local chimney sweep company today about the benefits you could gain from removing your chimney.
The devastation of the recent Earthquake in Mexico is a reminder that the same could, and has, happened in California. Long term California residents will remember several damaging and in some cases lethal earthquakes in their lifetime. Earthquake preparedness experts warn that the likelihood California will experience another serious quake in the next 20 years is very high, with the San Francisco Bay Area expected to be the worst hit.
And yet despite these risks, homeowners neglect the one thing that could prevent the most common form of damage in an earthquake: chimney repair.
Chimney Collapse is The Most Common Form of Earthquake Damage
Historically, chimney collapse is the most common form of damage due to earthquakes across the country. And yet chimney repair and reinforcement is the most commonly ignored effort for earthquake preparation.
Chimney masonry repair or even chimney removal is likely to slip your mind if you no longer use your masonry chimney. But simply leaving your chimney standing with no reinforcement or maintenance is a recipe for earthquake disaster.
Even with low-level ground shaking, chimneys start to fail and bricks fall. This is particularly common in masonry chimneys built before 1980 where the mortar may be already worn down and the structure of the chimney is brittle. But even in younger chimneys the mortar can become weak or cracked due to weather and time, leaving masonry chimneys vulnerable to collapse even with a small earthquake.
Collapsing Chimneys Extremely Hazardous
Structural engineers say that masonry chimneys are usually the first thing to go in a quake of any size, and can rapidly cause damage to surrounding buildings, cars, and people. At least 15,000 brick chimneys were damaged in Los Angeles during the 1994 Northridge earthquake, while in Napa, about half of the residential buildings damaged were due to brick chimneys.
Several deaths and injuries have also been caused by falling chimney bricks in the last significant California earthquakes, many of them involving children. When chimneys start to collapse, even during a relatively minor earthquake, bricks become deadly projectiles capable of causing severe damage.
Earthquake Preparedness To Prevent Chimney Damage
When quake-proofing your home, don’t overlook your chimney. If you have a masonry chimney in your home, it is essential you call a chimney professional for an inspection and analysis of the chimney strength. This is very difficult to assess with an untrained eye. But if you can see visible cracks or gaps in the mortar of your chimney, it’s a clear sign your chimney needs urgent repair.
Masonry chimneys can be repaired and retrofitted to increase their strength, which prevents the likelihood of collapse in the event of an earthquake. Chimney repointing can help to replace masonry chimney mortar, but may not be enough earthquake preparedness on it’s own to reinforce a chimney. Retrofitting is the minimum step you should take to keep your home and your family safe from chimney damage during an earthquake. You can also discuss other options, such as chimney removal or replacement, after an inspection and consultation with a chimney professional.
Ensuring your chimney is safe and secure is essential for earthquake preparation, and shouldn’t be put off any longer. Call your local chimney professional today to book an inspection and discuss the best solution to keep your chimney earthquake safe.