Fireplace and Chimney Safety: How to Prevent Costly Smoke Damage Claims

As summer winds down and cooler weather approaches, many homeowners look forward to lighting their fireplace. But before you do, ask yourself: when was the last time you had it inspected? A neglected fireplace can cause one of the most disruptive and expensive types of claims — smoke damage.

Unlike fire damage, which is often localized, smoke damage spreads throughout your home, clinging to every fabric, surface, and air duct. Cleaning it requires professional crews, a three-step neutralization process, and in many cases, removing and dry-cleaning every piece of clothing and fabric in the home.

One of the most preventable causes of fireplace-related claims is a chimney fire. This occurs when excessive carbon buildup inside the chimney ignites. While it’s usually contained, it’s also a clear sign of poor maintenance — and that gives insurance companies grounds to deny your claim.

The solution is simple: schedule an annual inspection before you use your fireplace. If a cleaning is recommended, get it done. Check the flue yourself to ensure it opens and closes properly. And make sure your smoke detectors and CO₂ detectors are functional, with fresh batteries.

Technology can also help you stay safe. Modern sensors can alert you to water leaks, heating system failures, or dangerous gas levels long before they cause major damage. Investing in these systems not only protects your home but also strengthens your position if you ever need to file a claim.

At 21st Century Public Adjusters, we’ve seen too many families displaced because of an avoidable fireplace incident. A small investment in maintenance and safety today can save you months of disruption — and thousands of dollars — tomorrow.