What the Heck is a Sudden Occurrence Insurance Claim

Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

Chase blown over3.jpg copyWhen a chimney fire occurs, wind damage, or lightning strikes your chimney, damage is incurred.  Most folks’ insurance policies cover such occurrences, and a chimney professional must try to help homeowners to make the insurance process go as smoothly as possible. My number one recommendation when it comes to insurance claims, no matter what kind of insurance, is to document everything at the very beginning of the process. You need to be sure to document the date it occurred, the name of the professional(s) who comes out to evaluate the situation, and the date(s) the professional evaluated the situation. Your professional should also be doing some documentation as well.

  • The service technician must document the damage, the date it was discovered, and how they discovered it. Most chimney fires are discovered by chimney sweeps who come out and observe signs that a chimney fire has occurred when running a video inspection of the flue system. This is a dangerous situation which cannot be ignored; you cannot continue to burn wood regularly in your fireplace without repair. You may notice exterior damage on the chimney caused by a lightning strike, in which case the technician should document that he came out to observe possible lightning strike damage at the request of the owner of the home.
  • Most insurance policies do not cover normal wear and tear of the chimney, for example, deterioration over many years. Similarly,
Vertical Crack
Vertical cracks in flue tiles often indicate a chimney fire has occurred.they do not cover problems such as a clogged flue or spalling brick, which is almost always the result of poor maintenance of the chimney. Instead, documentation for insurance claims are used to file a “sudden occurrence.” It has been my experience that most insurance companies are willing to work with you so long as you provide the documentation and information that they require.
  • Fire is only supposed to be contained within the firebox of your chimney. When the fire escapes this area, it often causes vertical cracks in the flue tiles of a chimney, can warp a stainless steel liner, and cause other damage to the chimney and home in general. Documenting your claim on a large, roaring chimney fire is easy, seeing that the fire department must be called. What about slow burning chimney fires, which most home owners are not even aware occurred until a chimney sweep comes out and tells them.
  • Chimney professionals are almost always willing to come out, meet with an insurance agent or a homeowner, and do whatever work is necessary in cases regarding sudden occurrence insurance claims. My policy is to never get ahead of the insurance agency and follow their lead when it comes to the claim, providing what documentation and service they require. Remember, it is not the chimney professional’s job to defend the home owner’s claim, but review observable facts and provide documentation that a person other than a trained professional could not do. Call out one or more professionals if you suspect a sudden occurrence has taken place; they can almost always make the insurance claim process less of a hassle
  • Sudden Occurrence Insurance Claims

  • https://youtu.be/ImkfRabTTPI

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Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

Ask The Chimney Sweep is now offering a business building (PODCAST) for Home Contractors

Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

... So Darn Excited ! ! ! I’m just so darn excited, after receiving  over 2,000,000 (that’s Million) down loaded views on our Youtube channel .. *Ask The Chimney Sweep.  we are now  launch ing a podcast show called  *Home Contractors HQ.com. 

Please share this if your are or know of anyone thinking of starting their own business!

If you are not familiar with podcasting, I assure you that you will be soon! Podcasting is kind of like internet radio. Only you get to pick who you want to hear from, as well as when you want to hear them.

Home Contractors HQ podcast can now be heard on  iTunes , Google Play and Stitcher podcast phone app.<——( podcast-catchers)

Yes, I’m  Excited!

 

Home Contractor HQ is our new educational podcast show Join
Home Contractor HQ is our new educational podcast show
Join us Facebook in building an even bigger community at    www.Home ContractorHQ.com
Helping SeHome Service Contractors build their own business
Helping Home repair Contractors build their own business’

Ask The Chimney Sweep” ….  is not going away ! 

 

For years service companies from all across the country have told me that they use our * Ask The Chimney Sweep videos, to train their own servicemen, as well as being a great a tool to email to their own customers to help explain, just what kind of repairs that they are recommending to be completed at their homes.

Our new educational training podcast is directed to help answer questions for new startup service companies, as well as hearing from hundreds of very seasoned contractors, that will be sharing their wisdom and experiences with the next generation of home repair service companies.

With thousands of visitors and subscribers * Ask The Chimney Sweep <——“is not going away !
With all of the wood-stove and gas fireplaces being used by millions through -out America, our blog and the Q & A section is exploding.

After 35 years of being a home contractor, starting business’ in 5 different states, as wellas  facilitating over 90 other  service companies in Master-mind groups, we now have I a huge amount of educational resources that are sure to help both the new Home Contractor, as well as home owners who want to know what to expect from their own home contractor.

Visit us at   www.HomeContractorsHQ.com

Clay Lamb

www.AsktheChimneySweep.com                 … Educational  Videos

www.HomeContractorsHQ.com                   … Coaching Podcast

www.FireplaceandChimneySupply.com    … Chimney products

Join our new podcast at  …. www.HomeContractorsHQ.com

 

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Learn More About Dryer Vent Safety

Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

linteatersystem
Unlike some appliances which need maintenance only when a problem arises, dryer vents need ongoing maintenance to keep them safe. When it comes to a sweeping company, most people really only consider having their fireplaces cleaned, and maybe their furnace, but what about your dryer vent? This must be cleaned regularly in order to best prevent a fire from starting. Here are some tips in caring for your dryer in between servicing.

<—-Gardus RLE202 LintEater system

 

 

 

1. After every load of laundry, clean off the lint screen! This simple task is a habit for most people accustomed to doing laundry, but doing so really increases the efficiency of your dryer.

images-10

2. If your dryer vent (the circular, flexible pipe extending from the back of the dryer to outside of your home) is a vinyl hose, it should be replaced. These are very old dryer vents. Newer models of dryers come with rigid, metal ducts in order to decrease the likelihood of a fire occurring. These rigid pipes are smooth on the inside to keep lint and other debris from catching on the sides and causing blockage. Regarding your chimney’s duct, the shorter the better; the longer the pipe and the more turns that exist the harder your dryer has to work, increasing your electric bill monthly.

Pic courtesy of Chimney Solutions Alanta GA

3. Check the exhaust flap to ensure that you have strong air pressure.

Having your dryer vent serviced yearly keeps your dryer running efficiently for a longer period of time. Dryers that don’t work efficiently causes each load to take longer to dry and for heavy items such as towels to come out still damp. Having to put items back through the cycle again is extremely wasteful. Finally, if there is no lint appearing on the lint screen when you check it for lint (meaning none whatsoever) there is a very good chance that your dryer vent’s exhaust system may be clogged.

Most chimney sweeping companies are also certified for cleaning dryer vents. Don’t skip this process! An inefficient dryer or a fire caused by a clogged dryer vent will cost you more in the long runt. It is very important to check your dryer vents to ensure there is not a  lint buildup! Clogged vents will restrict the  flow of air and the efficiency of the dryer. Your dryer will work much harder and longer to dry your clothes, which  cost you money and energy.
Make sure you check out our YouTube
https://www.youtube.com/user/askthechimneysweep
And other blogs
http://askthechimneysweep.com/


Affiliate Disclosure
I NEVER recommend a product or service that I don’t personally use (and love) myself. But, just to be totally transparent you should know that some of the links on my site ARE affiliate links and I DO make a small commission from any sales that are made. Thanks for your support!

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Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

Home Improvement: Fireplace Upgrade

Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

Spring is right around the corner, and folks that means its home improvement time. Were you disappointed by your heating bill using a furnace? Or did you struggle with your fireplace all season long? There are so many modernizations available for fireplaces to make them more efficient, send heat further in the room, and much more, which you may want to look into this season while you are working on other parts of your home.

Its true although it may seem counter-intuitive, some fireplace are actually so inefficient that they lose more heat up the flue system than they emit into the room. Extreme cases can actually cause a 20% heat loss! Imagine factoring in an extra 20% to your heating bill from this winter, or more importantly factoring out 20%. Everyone wants lower energy bills, and achieving a lower heating bill next winter is as easy as taking some of the suggestions listed below.

Glass Doors display, at Bromwell Fireplace shop in Cincinnati,  just an amazing store to visit and shop at!IMG_3231

One of the most obvious solutions to the problem of heat loss is to physically prevent the heat from exiting the home. Installing fireplace glass doors is an easy way of doing so which also is an attractive addition to any home. I find these glass doors most helpful when I’m waiting for the fire to go out and its burning low but its still too early to shut the chimney damper. Preventing air from

Fireplace Fireback
This fireplace fireback is decorative cast iron.heading up the chimney is a huge efficiency booster.heading up the chimney is a huge efficiency booster.

heading up the chimney is a huge efficiency booster.

Radiant Fireback

Similarly, the installation of a fireplace fireback is another relatively small price to pay for increased fireplace efficiency. These firebacks can be highly decorative or very simple and can be made of stainless steel or a more expensive, decorative cast iron. Firebacks are simply set in the fireplace behind the grate and amplify the radiant heat from the fire into the room, more so than the firebox wall would. Some manufacturer’s cite huge efficiency increases with the installation of their product, most of which are noticeable immediately after installation.

Fireplace Tool Set

Some people might not think of efficiency of burning as including the stoking and care of the fire before and after the fire burns, but technically speaking if you can decrease your time spent handling the ashes, etc., that makes the fireplace a more efficient heating method because it provides heat in a shorter period of time. A nice tool set will aid in ash removal and stoking the fire so it burns to its maximum potential.

Options to Discuss with a Professional

If your fireplace smokes toward the beginning of your fire or continuously even during the time you are burning a fire, you are burning inefficiently due to a poor draft more than likely. You will want to discuss options with your professional to improve this draft because once draft is improved not only will the smoking problem cease but the fire will burn hotter and longer all the while

Fireplace Smoke Problem
Signs … that this chimney has a poor draft include the smoke stains above  the fireplace opening

needing less care from you once its lit.

You also want to consider carefully if your fireplace has an odor when its raining or humid outside or if you feel cold air when the wind is blowing. In these cases you’ll want to install a top sealing damper, also called a chimney damper cap to close the chimney off at the top when your chimney is not in use.

Finally, a clean chimney is the most efficient version of your chimney without any other alterations because a clean chimney provides for the best draft (besides being  more safe for burning). Having your chimney serviced and swept regularly will provide you with the opportunity to discuss options discussed above with a professional as well as make sure there aren’t any ongoing  problems with your chimney.

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Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb
How to Install or Repair Chimney Flashing

How to *Install or *Repair Chimney Flashing

Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

Flashing provides protection against water for your chimney.

This video shows how to both install new flashing and repair flashing that has deteriorated.

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Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

Creosote Odors fireplace problems

Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

Creosote odor problem. … Oh my goodness do they ever stink up a home!

I couldn’t tell you how many times over the years that I have been called by a rather frustrated customers, telling me they have a horrible odor that is filling their home and the smell seams to be coming from the fireplace.Being in the fireplace business over 30 years I have found that most odor problems stem from one of two things.

Either there is something dead in a chimney such as birds, squirrels or a big old nasty dead raccoon. Not going into detail here, trust me that is not a fun job to remove!The second odor culprit and the most common is the foul smell of creosote soaked air that is being pulled down into the home often by the cold air returns and furnace ductwork.Creosote is from smoke that contains droplets of unburned carbon and is often referred to as tar-fog, within the chimney and fireplace business, These tar-fog droplets often will condense and collect on the cooler interior walls of both the fireplace and chimney flue system.Creosote is that black flammable substance that is left in a fireplace or wooding burn stove.

Hot fires that are associated with burning cardboard or paper can easily flame up past the damper area and often ignite droplets of creosote. Now you have an un-friendly or possibly an out of control chimney fire. Know well that many chimney-fires are much quieter and are referred to as being “slow burning”, still often cause a huge amount of damage to the interior of the fireplace masonry as well as to hidden wooden framing and mantels.

Now lets get back to identifying and solving your fireplace odor problem. Over the years I have tried many concoctions’ of home remedies. I have read a lot regarding house pressures induced odor problems. I have purchased many of these odor products online as well as at the local hardware store. Using those fresh air smelling small carbon jell tubs, vinegar filled bowls or those Chimney cleaning logs all work to some degree, but have not offer a lasting solution for stinky fireplaces. I’m sorry to report to you, but these pungent odors don’t seem to be able to masked over to satisfy for myself, or my customers’ noses’

So let start with your wood source, and as we discussed that incomplete combustion term may sound high tech, but in reality is that it boils down to your firewood is not being “burned completely and /or the fireplace is not drafting up enough to properly flush those Smokey-gases out of your homes fast enough.

In other words the smoke is lingering in the chimney flue way to long, it is then condensing into creosote and collecting on the cooler walls of the fireplace. Then when your furnace system kicks on, the air pressures within your home are often reversed, thus pulling odors down and are now being re-distributed throughout the home.

Whenever I’m called out to a customer’s home for an odor problem, as soon as I arrive I go looking for their woodpile. I want to see if the wood is covered properly from those soaking snowfalls and spring rains and if it is it soaking wet?

Wet unseasoned wood burns slow and will often make a hissing sound as it is steaming the water out. I’ll check to see if is it appears to be a hard wood or not. Most important is the wood seasoned.

Just because the woodpile appears to look gray or weathered, it does not indicate to me that it is seasoned properly. Looking at the butt end of the wood is it smooth like it was just cut recently or does it have lots of weathered cracked ends. This cracking is, caused by the moisture being dried out of the wood. For properly seasoned wood it is often cut, stacked and has a waterproof covering and should have a moisture content after seasoning of 15% to 25%.

When I enter a home I’m questioning, where are the cold air returns in the room? Is there a cathedral ceiling, what is the proximity to the stairwell in relationship to the mouth of the fireplace opening?

Odor Problems   ——————->  https://youtu.be/2s_DsVFXc1A

Did you know that a stairwell could produce a much stronger up draft than the actual fireplace? This is especially true while starting a fire, so I recommend starting off with smaller fires. It takes about 45 minutes to heat cold masonry up to draw properly. Smoke and odors will follow the path of least resistance, so high cathedrals ceiling and stairway can be very problematic to the air balance within your home.

The locations of your furnace cold air returns within the home can be very critical in creating a sluggish draft. This is especially true when starting up your fireplace. Also leaving large amounts of ash in the fireplace can actually hold moisture and odors, so be sure to remove these ashes if you’re having an ongoing problem.

To often I have gone to homes where the customer is choking the fireplace damper down, they are doing this to create a much longer burn time. Often this smoke is getting up to the top of the chimney, but it is now collecting on the spark arrestor screening. This sluggish draft is now lingering way to long and this creosote is now collecting on the walls of the flue system, as well as the screening. This is way to often the case for my wood stove burning customers.

Negative Pressure Issues   ——–>   https://youtu.be/AN4X9jPJdqI

Be sure to check the spark arrestor, as you drive off to work or are taking the kids to school take a look back at your chimney top is your spark arrestor clear of blockage or not?

Be sure to check the spark arrestor, as you drive off to work or are taking the kids to school take a look back at your chimney top is your spark arrestor clear of blockage or not?

Like most things in life, most problems need to be resolved by a process of elimination.

Here are my possible solutions to your stinky fireplace problem!

imgres-1) In early spring before your AC kicks on have your fireplace cleaned by a professional chimney sweep. You can find a reputable Chimney Sweep in your area by using this link to the National Chimney Sweep Guild locator http://www.ncsg.org/search.  Also be sure and go online and read their customer reviews from Google, BBB and AngiesList. I’m never impressed with those cheaper “Swab and Rob companies

2) Only burned wood that has been seasoned properly for at least 6 months.

3) Coverer your seasoned firewood.

4) Don’t choke your fireplace damper down so much!

5) Consistently monitor the spark arrestor on the top of your chimney cap.

* Let me Know if this help with your odor problem or not!

Burn safe and warm!

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Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

The Pros and Cons of Using Manufactured Fire Logs

Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

There are very few supermarkets these days that do not have firewood stacked up outside: small batches of logs wrapped in cellophane with a handle attached that seems to be more useful for punishing hands than serving as an effective method of carrying 20+ pounds of wood.

It’s all in the spirit of convenience, however, and although those tortuous totes of timber can make an effective fire, there is no retail option more appealing than manufactured firelogs.  There are many brands, but one purpose: to provide a quick, easy-to-light fire for homeowners who wish to entertain their family or guests for the evening.

But how safe are they?  Are they better than just using traditional firewood?  Let’s compare firewood and firelogs to figure out the pros and cons of each.

1) Emissions

The biggest complaint against burning firewood is the amount of greenhouse gases created by a typical fire.   Carbon monoxide is a byproduct of burning wood, and although the levels are not high enough for concern to the homeowner, the gases that come out of the chimney are considered significant enough by some locales that limits have been placed on wood burning, such as “no burn” days.

imgresThe most common fire logs are made from two components: paraffin wax (a petroleum byproduct) and sawdust.  Both are manufacturing waste products that are now combined, packaged and resold by some companies as firelogs.

The origin of firelogs may not sound incredibly environmentally friendly, but they do provide ecological upside when used in the fireplace as a replacement for wood.  Studies have been performed on the emissions from firelogs, and although their final conclusions vary, they all agree that firelogs give off less harmful emissions than a fire fueled by wood.

Part of the difference is also due to the amount of material used.  In a typical evening’s fire, 20-25 pounds of wood are used.  Firelogs are designed for single use, and weigh up to six pounds.  Less material burned equates to less emissions.  It also means less creosote buildup over the course of a burning season.

Manufacturers have improved on the initial sawdust and wax model over the years by offering products that use more natural vegetable-based binders and even coffee beans.  So, as far as the Earth is concerned, chalk a victory up to firelogs.

Winner: Firelogs

2) Ambiance

Part of the appeal of a fire in the fireplace are the nostalgic tingling of many senses: the smell of a fire, the crackles and pops, the dancing flames.

Burning a firelog may be a bit of a letdown for those looking for a more traditional fire.  The smell is certainly different, the flames are there but aren’t necessarily as random as a wood fire, and all that can be heard is the faint hiss of the escaping gases.

Some manufacturers have introduced firelogs that imitate the sounds of a wood fire, and even some with different colored flames.  But quite honestly, there’s nothing that compares to a good, raging wood fire.P33CE-A-610x340

Winner: Wood

3) Heat

Although aesthetic appeal is a big plus of owning a fireplace, many also enjoy (or even rely on) the heat that is generated by their fires.  It’s one thing to see the beauty of a fire from across the room, but even better when it can be felt from up close.

As mentioned previously, a wood fire is often made up of many logs, not just one, and the volume of fuel helps to create a warmth that is a signature of wood fires.  As firelogs are designed to only be burned one at a time, the single log certainly does not generate enough warmth to attract anyone to want to sit closer.

If the attraction of heat is a big desire, steer away from firelogs.

Winner: Wood

4) Convenience

Walking by that woodpile in front of the local supermarket might be tempting, but consider this: is tinder and kindling handy?  Will someone be around to add another wood log on the fire when it dies down?  Is someone even available who knows how to properly start a wood fire?

Picking up a four-hour firelog for the night and merely lighting the packaging may seem like cheating to some, but it sure makes having missed out on being a scout that much easier to deal with.

Winner: Firelogs

5) Cost

This may seem like an easy answer, but it all depends on how often the fireplace is used.  Will it be used on just the occasional weekend, or is this the type of home that has a fire every night?

For some, wood is easily the cheaper choice because fallen trees are readily available for cutting and splitting.  (Of course, the monetary cost is replace with much blood, sweat and tears, but adds the benefit of feeling tough.)  For the frequent burners, it may also be more economical to buy a cord or two of wood every burning season.

For others, it is much better to buy individual firelogs for the handful of times company is over to enjoy the fireplace. So, as the frequency of fires increases, wood becomes the more affordable choice, and firelogs benefit the casual burners.

Winner: Even

What did you expect, an endorsement of some sort?  Of course, it is not the chimney sweep’s job to recommend one over the other, as both have their positives and negatives. Regardless of whether wood or firelogs are the best choice for home burning, make sure to still have an annual inspection done by a reputable chimney professional, and cleaned if necessary

Smoking Fireplace Problems

https://youtu.be/4F9m8dMhJmQ

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Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

Nine Things To Know About Chimney Fires

Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

In the middle of a brutal winter, it is only natural to desire the warmth of your own home.  In most homes a fireplace is a natural gathering place for the family to escape the truth of the cold air right outside.Panorama_P42

Unfortunately, that soothing fire could start a chimney fire, causing significant and even dangerous damage to your chimney system.  It is no wonder that most chimney fires occur in the winter, but what do you know about them?  Here are nine items to keep in mind to help avoid or deal with chimney fires.

1) A fire is only meant to be within a fireplace.

A popular news item around the holidays is the home caught ablaze due to a chimney fire. A chimney is designed to handle hot gases, such as the smoke that comes from burning a fire down below, but once flames enter the system direct above the top of your fireplace, damage can quickly occur.

So, how does that happen?  One common cause is an lit item floating up and igniting creosote build-up. That’s why any chimney sweep worth their weight in soot will recommend only burning wood or approved fire logs in your fireplace.  Items such as wrapping paper left behind after frenzied Christmas present opening and pizza boxes from your winter sports bash should never be burned in a fireplace.

2) A chimney fire may go undetected.

It is commonly said that a chimney fire can sound like a freight train or jet coming through your house.  While that is certainly true for large-scale chimney fires, smaller ones can often go undetected.

If you suspect you may have had a chimney fire, an inspection of the flue system will certainly uncover some clues. Something to look for are blotches or spotted areas where some creosote is present but some of the flue tile is clean. Other telltale signs of a chimney fire are puffy creosote (looking very much like black cheese puffs) and vertical cracks in the flue tiles.  All of these are sure signs your chimney may be damaged from a chimney fire.

If any signs of a chimney fire are present, it can be assumed that the system has been compromised and should be considered unsafe to burn.  A chimney professional can come and investigate as well to confirm your suspicions.

IMG_01323) Having your chimney inspected annually and swept (if necessary) is the best prevention for a chimney fire.

As with any fire, there needs to be a catalyst of some sort, and fuel.  Some catalysts have already been mentioned (if you’re not starting your fire, don’t throw all that newspaper in there!), but normal levels of creosote that build up in a year are typically not enough fuel for a chimney fire to ignite.

It takes what is known as glazed creosote, and it is much different than its powdery sooty beginnings.  Using treated, green or wet wood in your fires will cause creosote to build up faster. Burning too much of this wood, or any excessive wood burning without cleaning, turns what most recognize as soot into a glossy, oily looking creosote that is baked onto the tile and brick of the chimney.

Annual inspection and cleaning when necessary is the best way to prevent this buildup.  Look for a chimney professional to provide this service, and schedule it annually to prevent your chimney from developing glazed creosote.

Also, using commercially available products such as creosote powder treatments on your logs can help to alleviate this buildup.  This is a great option for those homeowners who have wood burning stoves, or use their fireplaces daily throughout the winter, though it should not be used as a substitute for a proper cleaning.

4) Chimney fires are considered “sudden occurrences” by most homeowner’s insurance policies, and repairs are therefore typically covered.

Repairing the damage caused by a chimney fire can be an expensive proposition.  In most cases, the chimney fire has damaged the system to the point that the liner can no longer protect your home from the hot gases emitted by a fire.  A repair of this magnitude can cost thousands of dollars

This is one of those cases where homeowner’s insurance comes in handy.  A chimney fire is classified as a “sudden occurrence” in most homeowner’s insurance policies.  Although each policy is different, making a call to your insurance agent to verify coverage is a good idea if you have had a chimney fire.  This can take an expensive repair and makes it much more affordable.

5) The most important thing to do if a chimney fire has occurred is to document everything possible.

Working with an insurance company is certainly not a homeowner’s dream, but the best plan to make it as pleasant as possible is to properly document what has happened.

Things to consider having documented are the date and time the fire occurred (if known), the name of the service professional who inspected the chimney after the fire, and the date it was inspected. Also be sure to save any paperwork provided by the professional, as it will often contain additional items observed by the service company that would be traditional signs of a chimney fire.  Many times an insurance claim can be expedited if these things are documented in advance.

Home & Garden Pic's 2906) Video and/or photographic evidence of the damage done by a chimney fire is crucial if the date of the fire is not known.

If the fire occurs slowly and quietly, in many cases it can still do enough damage to make your chimney unsafe to burn.  So, if the fire department wasn’t called and flames weren’t seen coming out of the top of the chimney, it can often be difficult when the damage occurred.

Chimney professionals who work with insurance companies will typically offer to do a video chimney scan when a chimney fire is suspected.  In this type of inspection, a small closed circuit camera is attached to a rod and run through the entire length of the chimney system and recorded.  This is a level of inspection that insurance companies prefer, as it can provide irrefutable evidence of a chimney fire.  If video is not available, photographs are a recommended fallback option

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Looking down the chimney to damaged flue liners that  must be replaced!

7) Let the insurance company lead the investigation, but keep a dialogue with them every step of the way.

When working with insurance, it is always the best policy to allow them to take the lead and provided the documentation and assistance they need as they need it.  If no one has been out to service the fireplace yet after the fire, feel free to arrange that service after the insurance asks for a more detailed inspection.

However, feel free to check in with the insurance company from time to time, asking what the status of the claim is and if they need anything other information or documentation.

8) The first word from the insurance company may not be the last word.

Sometimes a homeowner may initially get a “no.”  This can be for many reasons and can vary from company to company, but don’t just assume that is the end of the conversation.  A policy holder certainly has a right for an explanation to any denied claim.  Many times, it may be because they do not have enough information or the correct information.

Once again, documentation is priceless in this situation.  Ask to have the claim reviewed by another claims supervisor or the manager of the claims department.  See what gaps in information might be there and suggest ways you can provide what they need to reconsider.

9) Even if the insurance company ends up denying the claim, there are other legal options.

Although most claims are hassle-free if you have proper documentation, there are certain times when the homeowner and the insurance company may come to an impasse.  If that is the case, there are ways to challenge the insurance company legally. As a final effort, the homeowner can consider contacting an attorney that specializes in insurance fire loss claims.

In most situations, though, the insurance company is more than willing to work with homeowners who are well prepared.  With a bit of documentation, a homeowner who suffers a chimney fire can join their family around their fireplace with a newly repaired chimney system in no time flat

Signs of a Chimney Fire

https://youtu.be/5e2_6HUVtjI

Sudden Occurrence Insurance Claims

https://youtu.be/ImkfRabTTPI

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Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

Levels of Chimney Inspection – 1-2 or 3 which one is right for you?

Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

imgres-1As burning season approaches, many homeowners already have it in their fall checklist to have their chimney inspected and cleaned.

Of course, this includes prospective homeowners as well. A fireplace is never more appealing than when home shoppers walk through crisp, cool air on their way from the car to their next home tour.

Many homeowners, and even real estate professionals, are not aware that all chimney inspections are not the same. As home inspections kick in for properties, home buyers don’t just concern themselves with aesthetic appeal, but safety as well.

To address this concern, the National Fire Protection Agency (NFPA) has established guidelines for chimney and fireplace system inspections. As outlined in their NFPA 211 publication, there are three levels of classification for these inspections: Level 1, Level 2 and Level 3.

Most inspections that are given by chimney professionals to existing homeowners are Level 1 inspections. A Level 1 inspection includes an examination of the readily accessible portions of the chimney exterior, interior and accessible portions of any appliance in the system and its connection to the chimney. The basic structure of the chimney is inspected as well as the flue, verifying that there are no obstructions or combustible deposits in the system. A basic inspection of any appliance and its installation is also performed, including connections to the chimney system.

If there has been no change in the condition or the use of the system (for instance, no damage and roughly the same amount of wood or fuel is being burned), a Level 1 inspection is sufficient.

If there is any change to the system, such as a new fuel (like converting from wood use to natural gas use), a new lining (for example, relining with a stainless steel liner) or any appliance change, a Level 2 inspection is required. Additionally, if there is a home ownership change or some external event has damaged the chimney (such as a lightning strike, earthquake, etc.) a Level 2 inspection is necessary.Home & Garden Pic's 290

A Level 2 inspection will include all elements of a Level 1 inspection, but also requires the evaluation of additional accessible portions of the chimney both inside and out, including areas that may be harder to access like crawlspaces, basements and attics. The person inspecting these areas should look for combustible material and ensure the chimney system has sufficient clearance from these materials.

It also requires full visual inspection of the interior of the flue system, which usually requires a video scan. This is meant to examine all flue joints and internal surfaces within the chimney to look for gaps or deterioration.

In unusual or extreme cases, when a Level 2 inspection might uncover a potential issue and troubleshooting requires accessing an area of the chimney system that is not readily accessible, a Level 3 inspection should be performed. If a serious issue is suspected, a Level 3 inspection could include removing or destroying portions of the system to reveal hidden areas not otherwise accessible in other forms of inspection. This could include the chimney crown or an external or internal chimney wall, and should only be done when it is absolutely necessary and when a serious situation is suspected.

It is recommended that every chimney system be inspected annually by a professional Chimney Sweep, and cleaned if necessary. Though most of those visits would only need a Level 1 inspection, there are other tools the chimney professional has at their disposal to perform increased levels of inspection to ensure the chimney system is as sound as it can be

 

Levels of inspections

https://youtu.be/jJEJq6fATfE

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Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

Paint N Peel

Clay Lamb

Clay Lamb

Clay Lamb is a Cincinnati Chimney Sweep contractor and the executive producer of the YouTube channel, podcast, and blog Ask the Chimney Sweep. He is also an award-winning educator and public speaker in the chimney and fireplace industry.

AsktheChimneySweep.com….Educational Videos
FireplaceandChimneySupply.com….Chimney products
AmChimney.com….American Chimney Cincinnati, OH
Clay Lamb

ChimneySaver Paint “N” Peel Fireplace Cleaner is a safe, effective way to clean your fireplace front. The product is brushed on and then dries to a thick, rubbery, non-hazardous film in 6-12 hours. When completely dry, it is easily peeled away from the surface and discarded. Paint “N” Peel Fireplace Cleaner saves you time and eliminates the hassle of cleaning your smoke/soot stained fireplace.
This product works on nearly all masonry surfaces including brick, stone, marble, slate, tile, concrete, mortar, limestone, and cultured stone. Buy ChimneySaver Paint N Peel here.————  www.FireplaceandChimneySupply.com

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