The Chimney Handbook: Expert Insights for Safe & Efficient Fires

If you’re currently burning wood or thinking about adding a wood burning stove or fireplace to your home, this article will shed light on many chimney questions and issues that are frequently brought up in conversation. Thank you for taking time to read this. It will prove time well spent.

That special feeling created by a crackling wood fire is what special memories are made of. To keep your family safe and your heating system performing as designed, you’re wise to learn all you can about chimneys!

FIREPLACE, INSERT OR FREESTANDING STOVE

It’s a good idea to review how a fireplace works. There are different types of fireplaces and the chimney requirements will vary depending of the specific type of fireplace. Likewise, a fireplace insert is a bit different than a fireplace because it uses a stainless steel liner that’s installed in the existing fireplace chimney. Meanwhile, wood burning stoves can use an insulated chimney or a masonry chimney that is properly lined. Regardless of the type of wood burning equipment, it’s always best to size the chimney to the same diameter of the flue collar on the appliance.

BRICK CHIMNEY vs PIPE CHIMNEY

There are basically two types of materials used for chimney systems when burning wood; masonry or stainless steel. Let’s focus on masonry chimneys to begin.

Think of the exterior brick, block or stone that you typically see on a house. This ‘chimney’ is actually the housing or conduit for a chimney flue or liner. The function of a chimney flue is to simply route all the by-products of combustion out of the fireplace, stove or insert. This flue liner needs to withstand extreme temperatures in order to protect the brick, block or stone walls and the integrity of the entire chimney structure. Most masonry chimney flues are built of ceramic clay tiles.

The term chimney “pipe” could be used to describe a single wall or a double wall pipe, used for different applications. A 6” single wall stainless steel pipe is normally used to reline a large chimney when a wood burning insert is installed in a masonry or manufactured zero clearance fireplace. A “pipe” chimney could also refer to an insulated stainless steel chimney used for wood burning stoves and most high efficiency fireplaces. This insulated pipe is designed to be installed within a couple inches of combustible framing members. An “air cooled” chimney pipe features a pipe within another larger pipe. The air space between the two provides enough protection to safely install it within a few inches of combustibles. Single wall stainless steel pipes must be housed in an existing chimney or be kept at least 18” form anything that is considered combustible.

Let’s compare these types of chimneys!

CHIMNEY ANATOMY CHART

 

HOW DOES A CHIMNEY WORK?

It’s been described that the chimney is the engine that drives the wood burning fireplace or stove. There’s a lot of truth to that because without a proper chimney, a fireplace, stove or insert would certainly not perform as designed.

A chimney works because of a difference in air pressure inside the house where the fire is built and outside the house at the top of the chimney. Warmer air is less dense than colder air and the rising heat, known as drafting, creates air movement. As this moving hot air carries the by-products of combustion out of the house, more oxygen rich air is pulled into the firebox. This air feeds the flames as it rushes past the fire.

The effectiveness of the draft is determined by several factors, including:

  • The amount of air supplied to the fire.
  • The overall height of the chimney.
  • The size of the chimney.
  • If the chimney is clean and free of creosote buildup and/or debris.
  • The size of the fireplace opening.

 

This basic understanding of draft is what prevents your house from filling up with smoke.

WHO INSTALLS CHIMNEYS?

Whether it’s a masonry chimney, an insulated stainless steel chimney or a flue liner in your chimney, it’s always in your best interest to have it professionally installed by a certified specialist. That way, you are assured the project is completed with all the appropriate codes and requirements being met or exceeded. Chimneys incorrectly installed are like a time bomb. You don’t know when, but at some point, there is going to be a serious problem.

Look for a company that has installers that are card carrying members of the National Fireplace Institute (NFI), the Wood Energy Technical Training (WETT) in Canada, and the Chimney Safety Institute (CSI). These are non-profit certification agencies. All require installers to pass a rigorous national exam that tests their technical knowledge of construction practices, appropriate codes and industry trade standards.

WHY DO I NEED A CHIMNEY CAP? WILL MY CHIMNEY LEAK WHEN IT RAINS?

All chimneys should have the appropriate size and type of cap. There are a few reasons for this. First and foremost, a properly sized cap will keep out rain and snow. A cap will keep debris out of the chimney that would affect the draft or cause an obstruction. Caps can keep critters from nesting in the chimney. Regardless of the type of chimney or liner, a correct fitting cap can easily be removed for inspection and cleaning purposes.

Another culprit on masonry chimneys regarding leaks, could be the chimney crown. This is the very top portion of the chimney that is slightly loped to allow water to run off and away from the cap. Chimney crowns can crack, chip or corrode. These problems can allow water to flow into the chimney. Since the deterioration of a chimney is from the inside out, it’s important to know that your chimney crown and chimney cap are in good condition.

CHIMNEY AND THE ROOF LINE

Do not confuse a roof problem with a chimney leak. Whether your chimney is a stainless steel pipe or a masonry chimney, the flashing around it can cause roof leaks. A flashing diverts water away from the chimney. If a flashing is worn, bent, cracked or not correctly sealed around the chimney, water damage could occur to the roof, ceiling and walls of your home.

Masonry chimneys should have a roof feature called a “cricket” built behind the chimney. A cricket prevents water from puddling behind a masonry chimney and directs the water to run to either side of it.

Stainless steel chimneys use a round flashing that effectively diverts water around the pipe.

FOR SAFETY, HOW OFTEN DO I CLEAN MY CHIMNEY?

The National Fire Protection Association code, called NFPA 211, is for wood burning appliances and chimneys. The main purpose of this code is to remove fire hazards associated with the construction and installation of fireplaces, stoves and chimneys. NFPA 211 clearly states that a chimney is to be cleaned and inspected at least once a year. The best way to keep a chimney clean during the burning season is to store your fuel supply under cover and only burn dry wood. The best practice is to get a year ahead with your wood supply. Cut it, split it and keep the rain and snow off it for a year. And, remember to clean and inspect your chimney at least once a year.

CHIMNEY INSPECTIONS

Before a chimney can be properly inspected, it must be thoroughly cleaned. This is NOT done by banging a log chain on the sides of the chimney in an attempt to dislodge creosote! Chimney inspections and cleanings by a professional includes specialized equipment. Fiberglass rods, different types and sizes of brushes, mirrors, cameras, safety equipment and most importantly, knowing what you’re looking at are all part of a certified chimney sweep arsenal. Any legitimate chimney inspection is performed by a certified member of the Chimney Safety Institute.

WHAT KIND OF CHIMNEY DOES A GAS FIREPLACE NEED?

Gas fireplaces and free-standing gas stoves do not use a chimney. Both use a vent pipe instead. Chimneys for wood burning fireplaces, stoves and inserts are masonry or stainless steel because of the high heat from the fire. Gas appliances use a co-axial aluminum pipe. That’s just a fancy name for a smaller pipe inside a larger pipe. The smaller pipe, normally 4”, takes the byproducts of combustion out of the gas firebox. The larger pipe, typically 7”, brings combustion air into the appliance. Direct vented gas fireplaces and stoves are sealed combustion units, meaning no air from the room enters into the firebox. All air for combustion is delivered via the larger pipe on a coaxial system. Depending on installation details, aluminum coaxial venting for gas can be installed through a a sidewall or vertically through the roof. There’s a significant difference between a vent pipe and a chimney.

WHAT KIND OF CHIMNEY DOES A WOOD BURNING FIREPLACE NEED?

A chimney for a wood burning fireplace will fall into one of two categories, either masonry or stainless steel. Older open burning fireplaces will have a chimney that was put together block by block and brick by brick, typically at the time the house was built. These chimneys normally have a ceramic clay flue tile. A zero clearance fireplace will have a stainless steel chimney requirement. There are a few different types of stainless steel chimneys and the manufacturer of the fireplace will specify the exact type and brand name of the chimney approved for their model. The discussion above under “Brick vs Pipe Chimney” sheds additional light on this subject.

WHAT TYPE OF CHIMNEY DOES A PELLET STOVE NEED?

Pellet stoves do not need a chimney. They can be vented horizontally through a side wall or vertically through the roof with a specific pellet vent pipe, called “L vent”. An L vent pipe has a stainless steel inner and a galvanized steel exterior pipe and requires at least one inch of air clearance to anything combustible. To properly vent a pellet stove, follow the requirements from the manufacturer. Depending on the model, pellet stoves will require either a 3” or a 4” L vent.

A pellet insert is designed to be slid into an existing wood burning fireplace. Pellet inserts use a single wall, 3” or 4” flexible stainless steel pipe that is installed from the flue collar on top of the insert, up the existing chimney.

CAN I HAVE AN ANGLE IN MY CHIMNEY?

Any bends or angles in chimneys should be avoided if possible. An interior, straight, vertical chimney is always best at removing gases from the combustion process. It is not uncommon to offset a chimney in order to avoid a framing member. If an angle or offset is unavoidable, NFPA 211 allows for masonry and stainless steel chimney’s to be angled. It is permissible to offset a chimney either 15˚ or 30˚ and there cannot be more than four angles in the length of the chimney. 30 offsets are the most common. When figuring the overall, total chimney height, there’s a rule of thumb for the offset (and the return offset in order to get the chimney vertical again). Figure that it takes twice as much vertical distance to equal the offset distance. So, if a chimney needs to be offset 12”, you’ll need about 24” of height in order to move the chimney over 12”. Offset charts for stainless steel chimneys are available from your WE LOVE FIRE expert.

CAN A CHIMNEY CATCH ON FIRE?

Unfortunately, chimney fires are still far too common. Chimneys do not catch on fire per se. It’s more accurate to say that poor burning practices, a lack of proper maintenance and incorrect installations lead to chimney fires.

  • Poor burning practices:Burn only dry wood with a moisture content less than 25%. Do not cut wood this summer or fall and expect it to be seasoned well enough to burn during the upcoming heating season. A build-up of creosote in your chimney is caused by burning wood that is too wet. This creosote is the leading cause of fires in chimneys. Again; cut it, split it and keep the rain and snow off it for a year.
  • Proper maintenance:Have your chimney cleaned and inspected annually by a certified professional from the Chimney Safety Institute. Make any repairs and correct any defects that are noted in the inspection report before any additional fires are built in your fireplace or stove. If yours is a masonry clay tile lined chimney, these tiles are normally 24” in length. The lengths should have been connected with a special mortar at the time the chimney was built. However, both the mortar joints and the clay tiles can deteriorate over time because of the high flue temperatures and extreme weather conditions. Damaged or missing flue tiles can be an extremely dangerous situation if left unchecked. NFPA 211 requires every fireplace to have an approved and intact liner with no any cracks or holes. And, let’s beat the drum once more time: routine cleaning and inspections are very important.
  • Incorrect installations:Clearance to anything combustible is the key to this point. Make absolute certain that all minimum required clearances are met. Better yet, remember when it comes to clearance requirements: MORE IS BETTER! Even an older house with a masonry chimney that’s been in service for years could be problematic if not properly installed.

 

A side note of interest: Pyrolysis is defined as a process in the thermal decomposition of materials at elevated temperatures. Pyrolysis can lead to fires in attics. Here’s how: When a masonry chimney is in contact with wood framing, that heat will significantly dry out the wood and the ignition temperature of those framing members can actually be lowered. If conditions are right, extreme heat from the chimney can transfer through the brick or block and cause the wood framing to ignite. Clearances to combustibles is critical.

CHIMNEY REPAIR & MAINTENANCE NEAR ME

If you need chimney repair services, start by checking with your closest WE LOVE FIRE dealer. Many have been providing professional inspections and repairs for dozens of years. Remember that these are family owned businesses, involved with the community and region and have earned the respect and admiration of manufacturers, industry professionals and clients like you. Look for credentials from National Fireplace Institute (NFI), the Wood Energy Technical Training (WETT) in Canada, and the Chimney Safety Institute (CSI).

WHEN IS IT TIME TO REPLACE A CHIMNEY?

Masonry chimneys are built at the time the house was originally built. As such, they would be extremely difficult to replace. Fortunately, there are a couple of chimney relining processes that will correct several code issues and restore the structural integrity to the chimney. Depending on how you’re using your fireplace, a single wall stainless steel liner may be utilized to “replace” a deteriorating chimney liner.

An insulated stainless steel chimney can be installed at the time the house was built or, added years later. A stainless steel chimney would be much easier to replace than a masonry chimney.

A thorough chimney inspection will reveal the condition of your chimney, regardless if it’s masonry or stainless. NFPA 211 states to have your chimney inspected annually. If you’d have a chimney fire, definitely get your system inspected before you use it again. If your chimney has been out of service for any length of time, before using it, please get it inspected by a professional. You can rely on the expertise of a certified chimney professional to advise you on the condition of your chimney. You’ll sleep a lot better at night, too!

CHIMNEY CODE REQUIREMENTS

It bears repeating that the National Fire Protection Association code (NFPA 211) is for wood burning appliances and chimneys. Based in Quincy MA, this code is approved by the American National Standards Institute (ANSI). This organization brings together volunteers representing varied viewpoints and interests to achieve consensus on fire and other safety issues associated with the construction and installation of fireplaces, stoves and chimneys.

Manufacturers of stainless steel chimneys will have detailed directions regarding the safe installation of their products. By carefully following these instructions, all appropriate NFPA 211 codes will be met.

HOW HIGH SHOULD MY CHIMNEY BE?

Chimneys must extend up above the roof. They cannot be horizontally vented through a sidewall like a direct vent gas fireplace. Even on a flat roof, the code requires at least 3 feet of chimney above the roof. Since most roofs are pitched, the code also states a chimney must be two feet higher than anything measured within 10 feet of it. [Insert a sketch of the 3’, 2’, 10’ rule, here.] Many think the code states the chimney needs to be three feet higher than the peak of the roof. Depending on where the chimney penetrates the roof and the roof pitch, that statement may or may not be completely accurate.

WHY WOULD I NEED A CHIMNEY FAN?

A chimney fan’s purpose is to help overcome a poor draft in your fireplace. It relies on electricity to function. The fan is mounted on the top of the chimney and assists the draft by moving an additional volume of air up the chimney. The fan helps to prevent smoke from backing up into the house. In negative air pressure scenarios or poor drafting situations, these types of fans may be beneficial. Whether it’s a masonry or a stainless steel chimney, an exhaust fan basically helps to remove smoke and fumes from the fireplace, by pulling more air through the chimney system. A situation where a chimney fan might be an option should be evaluated by a professional.

Incidentally, don’t get a chimney exhaust fan confused with a ventilation fan. A ventilation fan is designed to bring filtered, outside air into a building.

WHY IS MY CHIMNEY MAKING NOISE?

Why is my chimney humming? Answer: Because it doesn’t know the words! It may be a cute joke, but if you have a noisy chimney, it can be annoying and quite frustrating, and in some cases, seems to resonate throughout the entire house. Many noises from chimneys are the result of air flow. This might be from a strong wind or it might be from the draft in the chimney. Often described as a whistling or howling sound, this noise can be created if there’s an obstruction in the chimney or if the wind catches a loose or improper cap, storm collar or flashing. An ineffective or loose damper could be the culprit too.

Another fairly common reason of a noisy chimney is creosote building up then expanding when it’s heated. Over time, creosote can accumulate in the chimney and can become quite thick and sticky. If left to build-up, this can lead to an extremely dangerous fire hazard. The velocity of the draft in the chimney will also be affected. This can explain that rumbling or freight train train sound that many people describe just prior to a fire. Even with no fire in the fireplace, under certain conditions you may notice a noise with a downdraft of the wind.

Birds and nesting animals are another possibility of a noisy chimney. Usually, you’ll notice a scratching sound or some chirping or whining that would indicate critters of some sort.

Masonry chimney deteriorate from the inside out. Loose or missing mortar or damaged and missing flue tiles often assist in causing noisy chimneys. This can be the first step to other serious issues with your chimney.

So, what to do? The absolute best way to avoid noises coming from your chimney is through regular chimney cleaning and inspections, performed by a professional. Put your trust in an experienced certified chimney sweep. They have been specifically trained to evaluate and identify all sorts of chimney issues and recommend solutions. You’ll sleep better at night. Call now while you’re thinking about it.

I HAVE BIRDS OR RODENTS IN MY CHIMNEY, WHAT CAN I DO?

Given the opportunity, birds, raccoons, squirrels and bats can all call a chimney their home. If not removed, all can pose dangerous issues for a chimney. Nesting materials, feathers and fur from critters can easily cause an obstruction that can lead to smoke backing up or even a fire in your chimney. It can also hamper the velocity of the draft for your chimney and can actually cause permanent damage to your chimney if not removed. If you hear scratching, soft whining or chirping sounds, or notice unpleasant odors coming from the chimney or fireplace, it’s probably time to call in a professional.

We need to discuss one exception to removing unwelcome guests in your chimney, that is; chimney swifts. These birds are federally protected by law and must be dealt with differently than other intruders. Chimney swifts often seek out chimney type structures for building their nests during mating season. Instead of a typical nest in a tree, swifts build nests with small twigs that they attach to vertical surfaces (like a chimney) with their saliva. The bird has a small tube-like body with long tapered wings and is dark brown or dark grey. A fun fact about these birds: they cannot stand on their own feet! All feeding and drinking are done in-flight during the day. In fact, two parents and their little ones can eat as many as 12,000 flying insects such as gnats, mosquitos, flies, beetles, termites and ants, every day! They migrate annually to and from South America. Be forewarned, that if caught and convicted, destroying nesting chimney swifts can be very expensive. The nest must not be removed until they have permanently left the nest and migrated in the fall.

Having an animal living in your chimney is certainly unpleasant but it can also pose a serious health concern to everyone in the home. Pests in the chimney leave behind material that can cause a dangerous fire or may carry diseases that could be life threatening to human beings. People do not need to come into contact with the animal debris because the illness itself can be carried through the air.

A quick side bar here: The Center for Disease Control (CDC) in Atlanta says that homeowners can get histoplasmosis by breathing in the fungus from the air. This fungus is typically found in bird and bat droppings and in the soil. Activities that get the fungus airborne, like gardening or cleaning a very dirty chimney, can increase the risk of histoplasmosis. Dogs and cats can also get the disease, but it does not spread between pets and people or from person to person. The CDC says says the fungus that causes histoplasmosis can be found in most states and even around the globe. In the USA, it seems to be more prevalent in the eastern and central states, especially in the Mississippi and Ohio river valleys.

So, how do we keep critters out of a chimney? It’s a relatively easy fix. Make sure a properly sized chimney cap is securely installed. Many caps will have a spark arrestor or screen shield designed to keep sparks from popping out of the chimney and into low hanging trees or leaves and twigs on the roof. These screens can also be used to prevent birds from maneuvering through a cap and ending up in the chimney. However, these screens at times, have been known to collect creosote and restrict the airflow and velocity of the draft in the chimney. Many have found that putting on a spark arrestor screen in early spring, and removing it in November keeps critters out and won’t have concerns about creosote developing on the cap and screen. If you utilize a spark arrestor, be aware of this.

One last point, the damper obviously needs to be open when a fire is burning. Just be sure to keep it closed tight when the fireplace is not in use. You’ll keep more heat in and more critters out!

IN SUMMARY:

These items discussed above are not intended to be the final word and only things to keep in mind while burning wood. Rather, this article is meant to be a guideline and solid starting point to educate you on the importance of safe burning and maintenance practices, to inform you of considerations that you might not be aware of and to motivate you to learn more about the subject. A certified chimney professional is your ally. Utilize their expertise.

Burning wood is a wonderful way to become more independent and self sufficient, to save money and to be more environmentally conscious. But several important items to keep in mind, if left unchecked and neglected, can cause serious consequences. Remember to always install, operate and maintain your wood burning system according to all code and manufacturers requirements. ‘Good enough”… isn’t. There’s too much at risk.

Wood Stoves: Green Heat Or Environmental Harm

Today’s modern wood-burning stoves do not harm the environment. In fact, burning wood is a sustainable and eco-friendly way to save considerable money while providing energy independence for you and your family!

THE ENVIRONMENTAL DEBATE:  ARE WOOD-BURNING STOVES SUSTAINABLE?

Throughout history, people have used deforestation to make space for crops, animal grazing, and obtaining wood for construction and manufacturing. Deforestation has changed landscapes. However, sustainable forestry practices are rising through education, public awareness, and government regulation.

It makes good sense to manage the harvest of older-growth forests while maintaining a stable wood supply for construction, the paper industry, and fuel requirements. Today, most wood harvesting companies are planting more trees than they harvest. They subscribe to balanced cutting practices to ensure this resource lasts forever. Did you know more trees are in the USA today than 100 years ago? The current estimate is that over 750 million acres in the USA are forested!

You can bet that prices will continue to go up for fossil fuels in the future! Petroleum, coal, and gas can take millions of years to form. And when extracted and used, there’s no way to replace it. However, burning wood is a renewable energy source, unlike coal, oil, and gas. If Mother Nature takes one down, she’ll replace it. If one gets cut down, we can replant two or three in its place!

You’ve likely heard that burning wood is “carbon neutral.” But just what does that mean? Wood gives off the same amount of carbon, whether it decays in the forest, landfill, or burned. As a tree grows, it will absorb carbon dioxide from the atmosphere. Eventually, the tree will release the carbon as the wood naturally decomposes or is burned.

Here’s another way to look at it: the amount of carbon from wood-burning is similar to the amount of carbon removed from the atmosphere and stored by a tree throughout its life span. One way or the other, the carbon is returned to the environment.

BENEFITS OF WOOD-BURNING STOVES:

Besides being sustainable, burning wood as a heating fuel has many benefits.

  • Wood is a renewable resource.
  • Burning wood reduces the carbon footprint.
  • No reliance on fossil fuels to keep your loved ones warm.
  • The ambiance and atmosphere created by a toasty fire soothes the soul!
  • The radiant heat from a wood stove does not rely on electricity.
  • Typical efficiencies of today’s equipment are 75% – 80%.

My experience has been that a new EPA-certified appliance will heat an area 3 – 4 times longer than an ordinary open-burning fire with the same amount of wood! If you’re in charge of the wood supply, you’ll agree that more heat from less wood is awesome!

WOOD STOVES:  DECENTRALIZED ENERGY & ENHANCED AIR QUALITY:

For centuries, heating with wood was the primary way for people to stay warm. There was little reliance on market volatility or any vulnerability to supply chain issues. We’re talking energy independence here. If more homeowners decided to heat with wood, there could be significantly less dependence on the energy grid and fossil fuels.

Using wood blown down by storms, reclaimed wood from construction sites, and scraps from building projects are great ways to save money! Stop and think how helpful this could be, especially during high energy demand. This makes wood burning one of the most sustainable fuel on the planet.

WOOD STOVES & CLEANER AIR:

Burning wood for heating purposes often gets a bad rap because old equipment can be a major source of pollution. Open burning in fireplaces, using homemade or outdated appliances, and poor burning practices contribute to environmental and health issues.

Let’s face it: breathing in smoke is not good for anyone’s lungs. Young children, older adults, or those with asthma or heart or lung disease are especially at risk and vulnerable to smoke. In addition to the smoke, be sure the wood is untreated and unpainted. Split, dry cordwood is what you want. Burning garbage, driftwood, and treated or painted wood will release toxic chemicals in the smoke.

The good news regarding air quality is that today’s modern wood-burning equipment, certified by the Environmental Protection Agency (EPA), burns wood exceptionally clean, even consuming the gases produced during combustion! When properly operated, these EPA-certified wood-burning stoves, inserts, and fireplaces are so effective, and emissions are so low that you’ll see little if any, smoke coming out of the chimney! And does the fire ever last a long time! Overnight burns are common.

Proper burning practices are essential. For proper sustainable wood-burning, use dry, seasoned wood. Regular appl

iance and chimney system maintenance will significantly reduce emissions and improve air quality.

GOOD FOR THE ENVIRONMENT?

We are fortunate that combustion technology and the performance of wood-burning equipment have been dramatically improved. Wood is a renewable resource with low emissions and high efficiency and heat output. Burning wood in a modern wood stove is a win for everyone! But you decide for yourself.

Let’s summarize the benefits of burning wood in a modern, highly efficient, EPA-certified appliance. Is wood burning sustainable? Yes, for the following reasons:

  • Since wood is a renewable resource with solid management practices, we can actually “grow” more fuel, unlike gas, oil, or coal.
  • Burning wood significantly reduces carbon emissions and improves air quality.
  • Sustainable forestry practices will ensure a plentiful supply for future generations.
  • High efficiencies mean more heat and longer burn times with less wood.
  • Burning wood is a cost-effective alternative compared to other heating fuels.

Will a Wood Burning Stove Increase my Homeowners Insurance?

This is a good question that comes up rather frequently. The answer may surprise you!

No one is willing to take unnecessary risks when it comes to burning wood. Not your WE LOVE FIRE® expert, not the installers, and certainly not you, the homeowner. So, first and foremost on everyone’s mind is the safety and well-being of your loved ones and your property.

Insurance is all about risk. And you must admit that building a fire in your family room sounds a bit risky, doesn’t it? Does this risk equate to higher homeowner’s insurance rates?

Simply put, having a wood burning fireplace, stove or fireplace insert is considered a greater risk to an insurance company than a home without one. Most insurance companies will want to know what your primary heat source is, and there may be an additional charge if that answer is “wood”.

THE BENEFITS OF WOOD HEATING

We all know that the addition of wood burning equipment in your home has many advantages. One of them is saving on those monthly heating bills while keeping your family warm and cozy. The incredible radiant heat and the ambiance that a stove or fireplace creates in your home, the fact that responsible wood burning is good for our environment, and a reliable heat source during a power outage are also significant benefits of keeping your home comfortable with wood heat.

FACTORS THAT INFLUENCE INSURANCE RATES

There are various factors that will determine whether a fireplace or stove will increase your homeowner’s insurance. For example, the age and the type of equipment you’re using. Is your fireplace 100 years old or is the liner in the chimney damaged? Perhaps you’re using a fireplace insert with a stainless steel liner installed in the chimney? Is yours an untested and unlisted pot-belly stove, 12” from the wall with a culvert pipe sticking through the wall or a newer EPA certified model that meets the 2020 emissions standards with an appropriate 6” insulated chimney?

You get the picture. Insurance companies will look at the age and condition of the equipment, how it’s installed and being maintained and whether or not all clearance and code requirements are met.

VARIATIONS IN INSURANCE COSTS

Some companies may charge a flat rate for a wood burning stove or fireplace, perhaps up to a couple hundred dollars, while others may charge an additional percentage of the homeowner’s policy. These numbers will vary regionally and from company to company. In northern states where burning wood is more common, insurance providers may be more comfortable about codes and requirements. So, if a company wants to double or triple your rates for coverage, by all means shop around to find a knowledgeable agent who has your best interests in mind.

THE IMPORTANCE OF SECURITY MEASURES

According to the EPA, there are thousands of fires every year in the US and Canada. Most of these house fires relating to burning wood in fireplaces and stoves are caused by problematic chimneys. That is, chimneys where creosote has accumulated because of poor burning practices and chimneys not being regularly inspected and cleaned. Clearances to combustibles are also a leading cause of house fires with stoves. To minimize the risks:

· Respect the recommended clearance around the wood burning appliance.
· Keep flammable objects at a distance of at least three feet. This includes curtains, clothing, toys, furniture, carpet, newspapers, and kindling.
· Have your chimney inspected and cleaned regularly.
· Consider professional installation of the wood burning appliance and chimney.

Also, make sure to always have functional smoke detectors and carbon monoxide detectors placed at strategic locations in your home.

INSPECTION BY YOUR INSURANCE AGENCY

Most insurance companies will require some sort of inspection before covering your wood burner. This inspection might be done by a trained insurance agent or by a certified professional. Was the equipment installed by a professional, by a past owner or by you? The agent might want to see documentation to ensure all clearances are met.

Properly installed, operated and maintained, you can relax, tuck the kids in and all will sleep well tonight knowing that your wood burning fireplace, stove or insert is keeping your loved ones toasty warm! Rest easy knowing that your installation is safe and a reputable company has your back!

Using and Maintaining Your Gas Fireplace with Ease

Your gas fireplace is one of the most important amenities in your home. Gas fireplaces provide an amazing ambiance and wonderful warmth that everyone loves. And it seems obvious by all the family photos taken in front of it, your gas fireplace helps provide memories that will last a lifetime.

Here are several tips and suggestions that will help you use and maintain your gas fireplace correctly, as well as recognize common issues when it’s not operating as it should.

GAS FIREPLACE COMPONENTS:

First, let’s define the most common components of a gas fireplace. They include:

  • Thermocouple: Small strips of metal that, when heated, will generate millivolts of electricity.
  • Thermopile: Several thermocouples connected together that generate more electrical output than a single thermocouple. This provides the electricity needed to open the gas valve.
  • Gas valve: This device allows gas to enter the burner.
  • Gas burner: Mixes air and burns gas (natural or propane) to create realistic flames.
  • Ignition system, IPI, or Standing Pilot: Ignites the gas, either with a pilot light or electronically once the valve is opened.
  • Blower fan: Circulates air from the room through the fireplace’s convective heat chamber and pushes it back into the room.
  • Ceramic glass front with safety screen.
  • Firebox: The metal housing for the burner, logs, and flames.
  • Logs or other media: Decorative material that enhances the flame presentation.
  • Remote control, thermostat, or wall switch: Turn the unit on/off, adjusts the temperature and the fan.

CAN YOU MODIFY YOUR FIREPLACE?

Note that thermocouples and thermopiles are not interchangeable with each other.  Thermocouples are generally interchangeable with other thermocouples.  However, they come in different lengths. It’s important you have the correct length for your fireplace.

Thermopiles are about the diameter of a pencil and have wires coming out of the bottom that are routed to the gas valve terminals. Thermopiles are usually interchangeable with each other as well. However, we always recommend using original replacement parts.

Most logs are NOT universal or interchangeable. There are many fireplaces with different logs and other media options, such as fire stones or glass beads. However, logs must be placed in precise positions on the burner and are specific to the model of the fireplace. If logs break or show signs of wear, it’s best to replace them.

A gas fireplace can NEVER be modified to burn wood. This would be an extremely serious fireplace safety issue and not covered by your home insurance. On the other hand, a wood fireplace can be converted with a gas insert.

However, the firebox on a gas fireplace could be completely stripped of the gas supply line, the burner, and logs. Then, an electric insert could be installed. Electric inserts come in several sizes that could be safely installed into a gas fireplace. But never try to burn wood in anything other than a wood-burning fireplace, stove, or insert.

OPERATION OF A GAS FIREPLACE:

Gas fireplaces are turned on/off with a wall switch, remote control, or a wall thermostat. If the fireplace is being used as the primary heat, a thermostat on the wall or a remote control with a thermostat function might be a good choice. Instead of primary heat, my fireplace acts more as a supplemental heat source. So, I use a simple on/off remote control.

A gas fireplace is easy to light. When the thermostat calls for heat or the remote control or wall switch is pressed, the gas valve opens, and gas flows into the burner and is ignited by the pilot light. Fun fact:  furnaces, boilers, and water heaters all work the same way.

No electricity in the house? No problem for starting the fireplace, provided the batteries in your IPI ignition system are fresh or, with a millivolt system, the pilot light is lit.  Your fireplace will start up as usual and provide radiant heat through the glass front.

The blower fan on your gas fireplace will not operate when the power is out.  Fans require house current to run. The burner will ignite, but the fan will not move any air.

Direct-vented gas fireplaces are sealed combustion units. This means that air for combustion purposes comes from outside.  No air from inside the house is used for combustion. The “flue” or, more appropriately, the “direct vent co-axial pipe” can either be installed through a side wall or, vertically, through the roof.

COMMON GAS FIREPLACE TROUBLESHOOTING ISSUES:

Gas fireplace maintenance is important. It’s good practice to have gas fireplace components inspected once a year. Technicians can examine the gas valve and fittings electronically for any minute leaks, enhance the flames with ember material, and clean and inspect the glass and burner carefully.

There’s a special gas fireplace glass cleaner that’s used to routinely clean the glass front of your fireplace.  It’s more of a polish, and it does a great job cleaning off the soot, condensation marks, and other particles from burning natural or L.P. gas. Don’t use a window cleaner. Buy the good stuff. It’s about $12 – $15 a bottle and will last you several years. Just follow the directions on the bottle.

Another cleaning detail: keep the fan compartment free of pet hair and dust. Just vacuum and/or dust this space periodically.

We all know that gas is nothing mess with, so anything other than cleaning the glass or replacing glass gasketing should be performed by an industry-certified professional. They have the “three E’s” critical for gas fireplace safety:  the Equipment, the Experience, and the Expertise to adjust air-to-fuel settings, measure gas pressures, evaluate the venting system and more.

If the fireplace won’t turn on, doesn’t ignite, won’t stay lit, or is making an annoying beeping noise, it could be as simple as replacing the batteries in the receiver of your remote control.  Or, it may be something a bit more complicated.  Perhaps the thermopile or the circuit board needs to be evaluated.

INSTALLATION TIPS FOR SAFE AND ENJOYABLE USE:

A question that frequently comes up is, “Where should I install a gas fireplace?”  There are several factors, but the first consideration should be the venting profile.  If you’re planning a gas fireplace on an exterior wall or can run a vent pipe straight up through the roof of the house, It’s an easy decision.

If not, talk with an expert regarding the “profile” of the venting system before the project begins.  There are specific limits and relationships between the “rise vs. run” of the vent pipe.  That is, the overall height of the venting system and the horizontal distance the pipe can be installed.

Other points to think about for gas fireplace installations:

  • Furniture placement
  • Fire viewing angles
  • Fireplace size
  • Heat output
  • On the floor vs. in the wall

Yes, WE LOVE FIRE®  handles the full installation of gas fireplaces and also specializes in servicing and repairing the equipment. Feel free to reach out with any questions or for expert advice!

Common locations where gas fireplaces are installed include:

  • Living rooms
  • Family rooms
  • Bedrooms
  • Offices
  • Kitchens
  • Bathrooms
  • Dining rooms
  • Waiting rooms
  • Lobbies

There are a lot of folks around today who claim to be experts in their fields.  Because I’ve gooped some roofing tar on my roof, doesn’t make me a roofing expert.  Just as extending an outlet in my garage doesn’t qualify me to re-wire your home.

Trust certified professionals with the regular maintenance of your gas fireplace to ensure installations, repairs, and servicing are done correctly and safely. Routinely maintaining your gas fireplace keeps it efficient. Detecting issues early often prevents costly repairs later.

Keep your family and property safe by having your gas fireplace properly installed and serviced regularly.  Please contact us with any questions or comments regarding the use or maintenance of your gas fireplace.