Knowledge – and acting on that knowledge – proactively go a long way in keeping your home and home systems safer, running well, and lasting a long time. One thing that can devastate these systems is uncontained fire.
Two common types of fire that homeowners might encounter are structure fires and chimney fires. A substantial goal of our business is helping prevent fires and other hazards, all while making your home the haven it should be. While accidents can happen, we’re dedicated to helping homeowners enjoy peace of mind. We’ve got information on both chimney fires and structure fires – and what you can do to avoid both.
Need to schedule something with us our team? Reach out now – we’re here to help.
What Is a Structure Fire?
“Structure fire” is a broad category. Any fire that occurs within the walls of a building – whether a residence, commercial property, or other type of building – is considered a structure fire. Structure fires can have many causes and originate in any part of a structure. A grease fire in the garage, dryer lint that catches on fire when the dryer overheats, heating equipment malfunction, or a cooking fire would all fit this categorization.
Structure fires can have:
- Wide impact. Structure fires can spread quickly throughout the structure and cause extensive damage.
- Potential for collapse. If flames become intense and spread, structural collapse is a risk.
- Smoke and toxic gases. Many combustible items release toxins while burning, so structure fires often produce thick smoke and gases that can be hazardous to health. Smoke inhalation is a leading cause of injury and death in structure fires.
What Is a Chimney Fire?
Chimney fires are more localized, occurring within the chimney flue – although they do have the potential to spread to surrounding structure. A significant culprit in chimney fires is creosote, which is a tarry byproduct of burning wood. It can build up on inner walls of a chimney, forming a flammable substance that is susceptible to igniting under the right conditions.
Chimney fires may have:
- More localized impact. They always begin in the chimney, but can spread and provoke a structure fire.
- Flaming out of the chimney top. A visible sign of chimney fires is flaming or sparks shooting out of the top of the chimney due to intense heat forcing gases out of the chimney stack. Some chimney fires, however, remain hidden within the chimney structure.
- Soot and smoke. These are produced in large amounts by a chimney fire, and can cause unpleasant odors, a mess, and potential health risks.
How Do Insurance Companies Treat Structure & Chimney Fires?
While policies will differ in the details, insurance policies will often distinguish between structure fires and chimney fires when it comes to coverage.
Structure Fires
- Most homeowner’s insurance provides broad coverage for damage caused by structure fires. Typically, repairs to the building, replacement of damaged personal property, and maybe temporary housing assistance (if needed) will be covered.
- Deductibles or limitations may vary based on the cause of the fire and the policy’s specifics.
Chimney Fires
- Coverage in the case of a chimney fire can vary quite a bit between insurance providers. It may be included under general fire damage coverage, or it may require specific endorsements.
- There may be specific requirements for chimney maintenance and inspections to satisfy insurers in the case of chimney fires. Not adhering to these requirements could lead to denied claims, which is one reason why regular chimney inspections, sweeping, and maintenance are important.
How To Prevent Structure & Chimney Fires
Better than fire coverage though, is fire prevention.
For either structure or chimney fires, having properly installed, frequently tested, and well-maintained smoke alarms is important. While it isn’t a preventive measure, it’s a vital precaution, since early detection might give you time to stop the fire before it spreads. A warning to get out of the dwelling can also save health and life.
Guarding against structural fires takes a multi-faceted approach. Having wiring and electrical systems inspected regularly, not overloading circuits, and using appliances safely will help. So will being safe while cooking – keep towel and pot holders clear of open flame, and don’t let any combustible materials get too hot. You shouldn’t leave cooking, fireplaces, or candles unattended while in use. Generally, be careful to follow manufacturer’s instructions and safe practices while using anything you plug in or ignite!
Preventing chimney fires takes a more targeted approach. Schedule annual chimney inspections and have your chimney swept regularly. Our experienced technicians identify and remove creosote build up, check for structural issues, and ensure the chimney is functioning properly – and you should settle for nothing less.
Other ways to minimize the risk of a chimney fire is to use only seasoned firewood in your fireplace, as wet or freshly-cut wood produces more creosote. Ensure good fireplace ventilation to help your system run efficiently, and install a chimney can to keep debris out of your chimney.
Partner With Us
We’re pleased to offer our services as a valuable resource to homeowners. Our wide chimney and fireplace expertise means we know how to help keep your fireplace operating safer, helping you avoid chimney fires – and to guard against structure fires, we also expertly clean dryer vents.
Knowing how to protect yourself against uncontained fires is half the battle. Partnering with your local experts helps put that knowledge into action. If you have questions or concerns about your dryer or chimney systems, don’t delay in reaching out! We’re here to help.
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