4.12.25

Why Regular Chimney Sweeping Matters

If you use a fireplace or wood-burning stove, your chimney is a vital part of your home’s heating system. Even if everything works correctly, build up inside the chimney can quietly lead to serious problems. Here are some reasons to schedule regular chimney sweeping.

Reduce the risk of chimney fires. Burning wood creates creosote, a sticky, flammable substance that clings to the inside of your chimney. If it isn’t removed, it can ignite. Chimney fires often happen quietly and without warning and can quickly spread to other parts of the home.

Prevent dangerous blockages. Leaves, animal nests or excessive soot can restrict the chimney’s airflow. This can cause smoke and hazardous gases like carbon monoxide to enter your living space instead of venting outside. Cleaning helps keep the flue clear and safe.

Make inspections more effective. A clean chimney is easier to inspect. When creosote and soot build up, they can obscure key areas such as the throat or damper, making it harder for a professional to spot early signs of wear or damage. That build up can hide minor issues that, if left unchecked, may develop into more costly problems over time.

Keep heating systems working properly. Good airflow is critical for efficient heating. A clean chimney lets fires burn more evenly, with less smoke and fewer problems. That efficiency saves energy, helps your system last longer, and keeps your home warmer during colder months.

Reduce the risk of costly damage or claims. Chimney-related fires and smoke damage are common causes of home insurance claims, and most could be prevented. Regular chimney sweeping helps avoid unexpected damage that could lead to repair costs or insurance complications later.

Help stay on top of maintenance. It’s not always obvious when a chimney needs sweeping. If you burn wood, it’s recommended to have your chimney inspected annually. A certified inspector can advise whether it needs to be swept and highlight any other issues that may need attention. Keeping to a regular inspection schedule helps reduce risks before they turn into emergencies.

A clean chimney allows your heating system to work as it should, helps keep your air safe to breathe, and supports early detection of potential issues. If it’s been over a year since your last chimney inspection or cleaning, now’s the time to take action.

From an insurance and potential insurance claim point-of-view, it’s important to remember that damage caused by a chimney fire is often covered under the ‘fire damage’ section of a buildings or buildings and contents insurance policy.

However, some insurers may require evidence that the chimney was regularly swept and maintained. If you cannot provide proof that the chimney was cleaned and checked according to industry recommendations (usually once a year or more for frequent use), the insurer may dispute the claim. At Cox Mahon, we always advise clients to obtain a certificate from a certified chimney sweep every time they have their chimney cleaned. This documentation proves that the homeowner has taken reasonable steps to maintain their chimney, which can be invaluable if you ever have to make a claim following a chimney fire.

Information provided by Zywave and contributed to by  Harrison Law, (Cert CII) Head of Commercial & Private Clients, Cox Mahon Ltd.