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A fireplace can be a toasty location to spend some time. Yet, even in the most well-managed location, it is a risk. When a fire occurs and gets out of control, it can quickly spread to the rest of the home.
The technical storage or access that is used exclusively for anonymous statistical purposes. Inspect the stove and chimney for any irregularities. A steel stove and chimney that reach high temperatures and then cool off can change and should be evaluated for any unexpected issues. In order to stay safe, make sure you know how to operate a fireplace and store your fuel and logs in a dry spot away from open flames.
How do you update an old brick fireplace?
All chimneys may collect creosote, a highly combustible residue that can be removed by yearly professional cleanings. Some insurance companies even require that you have the fireplace professionally installed as a condition of coverage. Does a wood-burning stove increase home insurance premiums? Your premiums will likely increase if you have a wood-burning or pellet stove, but the increase is usually insignificant.
One of the leading causes of residential heating fires is unclean chimneys. NFPA recommends annual cleanings and inspections by a licensed professional, which average just $125. A well-maintained chimney lowers your chances of experiencing these health risks and better prepares it for your home insurance inspection. If your fireplace is in poor condition, that could make it more difficult to pass your inspection and obtain homeowners insurance. Let your Woodbridge home insurance agent know about the existence of a fireplace. You can also talk about the steps you take to minimize risks.
Is it worth it to install a wood stove?
Or it can be a simple construction project, where you cover up the brick with drywall, wood, or tile. NFPA recommends keeping such items at least three feet away from the fireplace. The National Fire Protection Association reports that 354,400 residential fires occur each year on average. Of the fires caused by heating, almost half take place during December, January and February. Follow these safety tips to keep you and your family protected this fall and winter. However, a few circumstances warrant supplementing your homeowners insurance with separate fire insurance or getting a stand-alone policy.
Never leave the room or house until a fire is entirely out. Do not store newspapers and other combustibles near your fireplace.
Does a wood burning fireplace increase insurance?
If you live in a house without a chimney, you may be wondering whether it is possible to have a wood burning or pellet stove. Fortunately for many, the answer is a resounding yes! Luckily for those living in modern homes, you do not need a chimney to install a wood burning or pellet stove. Fireplaces are considered safe, especially when looking at gas fireplaces and electric fireplaces. As much as premiums may be affected, it mostly depends on the insurer.
Insurers tend to be more cautious about providing policies to homes that rely on stoves as the only source of heating. This means if you intend to use only your wood-burning or pellet stove to heat your house, you may have a harder time getting coverage than other customers. Each variable including the cost of gas, propane, and your source of wood will affect the outcome. Has your wood burning stove been installed by a professional? I found that most insurance companies ask this question but do not require proof of installation.
The average cost for stone fireplace installation around the nation is between $3,000 and $5,000, with authentic masonry fireplaces hitting upwards of $10,000. However, every single fireplace is unique, and there are many considerations to evaluate when assessing the cost. Separate fire coverage is available through specialized Dwelling Fire insurance policies, which protect you against fire, smoke, wind and other limited perils . Coverage varies by policy, so be sure to discuss details with your insurer. But while you’re mimicking scenes from your favorite holiday movie, your fireplace can pose a safety risk to your home and your family. And that risk could be driving up your insurance rates.
You will want to ensure this is not a risk you have to take. Using a wood stove inside your garage is as safe as any other means of heating. However, like any other heat source, it must be monitored and never left unattended for longer than a few minutes. Placing a wood-burning stove in your garage can leave you with an uneasy feeling. A gas fireplace can cost on average $2,000 to over $8000 and the cost of installation would be around $4000.
Products are available to residents of B.C., Alberta, Ontario, Québec, New Brunswick, Nova Scotia and P.E.I. and provide coverage to eligible pets. All coverage described is subject to the terms, conditions, limitations and exclusions contained in our Policy Wordings. In the event of a discrepancy, your policy wording governs. John Travis is the founder and owner of the popular blog "Denver Remodel Group". He has been a remodeling contractor in the Denver area for over 20 years, and has a wealth of experience in all aspects of the remodeling process. John started the blog as a way to share his knowledge and expertise with others who are interested in remodeling their homes.
Paint or tile the interior of your fireplace black while painting the exterior surround a clean white. Add a black floating mantel for an even more modern touch. Unique fireplace surrounds, such as dark textured stone or smooth reflective tile, can also turn your fireplace into a dramatic focal point. All shipment shortages and damage must be noted on the Bill of Lading before signing. If there is ANY question as to whether an item is damaged or not, make sure you clearly note "damaged" on the delivery slip. EverythingFireplaces is not responsible for any damages not noted at the time of delivery.
Insurance rates and coverage can also be based on the number of claims you file. Thus, it can be important to insure you practice good fireplace safety to reduce the chances that you will have damages that cause you to make a claim against your policy. For example, fireplaces with masonry chimneys are safest when the screen is closed once the fire is lit and the flue is open for ventilation.
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