Chimney & Fireplace Safety

Keep the cozy — not the claims.

Few things feel better than a warm fire on a crisp fall night. But before you strike that first match, it’s important to make sure your fireplace and chimney are safe. Creosote buildup, cracks, or poor ventilation can quickly turn cozy evenings into fire hazards — and costly insurance claims.

Here’s your fireplace and chimney safety checklist for the season:

Clean Out Creosote

• Have your chimney professionally inspected and swept at least once a year.
• Creosote — the black, tar-like substance that builds up inside chimneys — is highly flammable.
• Even 1/8 inch of buildup can ignite and cause a chimney fire.
• Insurance angle: Homeowners insurance often covers fire damage, but preventable causes like neglected chimney maintenance may complicate claims. Prevention is cheaper than repairs.

Inspect the Structure

• Check for cracks in the chimney liner or brickwork.
• Make sure the chimney cap is in place to keep out animals, leaves, and rain.
• Confirm the damper opens and closes smoothly for proper ventilation.
• Insurance angle: Structural issues can cause smoke or fire damage inside your home. Regular inspections help avoid denied claims.

Burn the Right Wood

• Use only seasoned hardwood (like oak or maple).
• Avoid burning green wood, cardboard, or trash — they produce more creosote and dangerous sparks.
• Store firewood at least 30 feet from your home to reduce fire risk.

Practice Fireplace Safety

• Always use a screen to block sparks and embers.
• Keep rugs, curtains, and furniture at least 3 feet away.
• Never leave a fire unattended, especially with kids or pets nearby.

Cozy, Safe, and Covered

• A little fireplace prep goes a long way. Regular chimney cleanings, safe burning habits, and a quick check of your homeowners insurance fire coverage mean you can relax and enjoy the warmth without worry.

As the nights grow cooler and the world outside gets cozier, there’s nothing quite like the gentle glow of a crackling fire—but that comfort should come hand in hand with caution. A little seasonal upkeep—like a professional chimney sweep, inspecting for cracks or creosote buildup, ensuring proper ventilation, and keeping the hearth area clear—goes a long way in keeping the warmth worry-free.

Don’t wait until the first ember flies—schedule your chimney safety check today and make every evening by the fire as safe as it is snug.