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How Chimney Inspections Affect Home Insurance

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When it comes to protecting your property, homeowners often focus on alarms, locks, and regular maintenance—but many overlook the impact of chimney care on their insurance policy. Insurance providers evaluate several factors before approving or renewing a homeowner’s policy, and chimney condition is one of them. Failing to properly maintain your chimney can increase your risk profile, lead to higher premiums, or even result in claim denials after a fire. That’s why understanding the connection between home insurance and chimney inspections is essential. At the heart of it all is the need for a documented, professional Chimney Inspection.

Why Does Chimney Inspection Matter for Insurance Providers?

Insurance companies base their risk assessments on the likelihood of property damage or fire. Chimneys, particularly in homes with wood-burning fireplaces or stoves, are among the most common sources of house fires. When a chimney is not regularly inspected, it may accumulate creosote, experience structural damage, or suffer from poor draft all of which can lead to fire hazards or carbon monoxide issues. Insurance adjusters and underwriters view regular inspections and cleaning as a necessary part of home safety. A clean inspection report from a licensed chimney specialist helps insurers feel confident that the fireplace system is up to code, reducing potential liabilities and costs.

What Are the Most Common Chimney Issues That Affect Insurance Coverage?

Many insurance policies include specific clauses requiring homeowners to maintain certain features of their property—including chimneys. Below are the most common chimney-related problems that could lead to increased premiums or denied claims: excessive creosote buildup from incomplete combustion of wood; cracked flue liners that allow heat or smoke to escape into the walls; deteriorating mortar joints that compromise structural integrity; water intrusion from damaged caps or crowns; and unlined or improperly vented chimneys. These issues are not always visible to homeowners, which is why scheduling an annual chimney inspection is essential for protecting your home and ensuring full coverage.

What Are the Key Benefits of Chimney Inspections for Insurance Compliance?

Having a certified chimney inspection offers multiple benefits beyond just safety. It provides documented proof of chimney condition, which is often required by insurance companies. It can lower insurance premiums by reducing your risk profile. It ensures your chimney complies with local codes and NFPA standards. It identifies fire hazards before they cause costly incidents. And it supports future claims by demonstrating due diligence in home maintenance. Insurance companies may request chimney inspection reports during underwriting, after a claim, or during policy renewal—especially for older homes or homes with frequent fireplace use.

What Role Does Chimney Inspection Play in Risk Mitigation and Home Safety?

Risk mitigation is a core focus for both homeowners and insurance providers. A properly maintained chimney drastically reduces the risk of house fires, smoke damage, and structural failure.

“Regular chimney inspections are not only essential for fireplace safety but are increasingly seen as a critical part of home insurance compliance. Insurers want proof that homeowners are taking every reasonable step to reduce fire risk.”

Regular inspections also protect home occupants from carbon monoxide leaks, which can be fatal if undetected. Ultimately, chimney inspection plays a dual role: ensuring mechanical safety and supporting legal protection under your insurance policy.

What Is the Cost Breakdown for Chimney Inspection and Related Services?

Understanding the cost of chimney services helps homeowners plan for regular maintenance and remain in good standing with insurers. Below is a general pricing table for common services:

Chimney ServiceAverage Cost (USD)Details
Level 1 Inspection$75 – $175Visual examination of accessible areas
Level 2 Inspection$200 – $500Includes video scan and inspection report for insurance
Level 3 Inspection$1,000 – $3,000+Invasive inspection involving removal of components
Chimney Cleaning / Sweep$120 – $250Removal of creosote, soot, and debris
Minor Repairs (mortar, cap)$250 – $750Spot fixes and leak prevention
Chimney Relining or Rebuild$1,500 – $5,000+Required if liner is missing or severely damaged

Disclaimer: Prices vary by location, chimney condition, access difficulty, and the licensed company performing the service. Always ask for a detailed estimate and read customer reviews before scheduling.

FAQs:

Q1: Is a chimney inspection required for homeowners insurance?
A1: In many cases, yes—especially if the home has a wood-burning fireplace or stove. Insurers may require proof of inspection during underwriting or renewal.

Q2: How often should I schedule a chimney inspection?
A2: At least once per year. Insurance providers typically expect annual inspections as part of routine maintenance.

Q3: Can a failed inspection affect my coverage?
A3: Yes. If your chimney is flagged for major safety concerns and no action is taken, your policy may be subject to cancellation or claim denial.

Q4: What type of inspection is best for insurance compliance?
A4: A Level 2 inspection with a video scan and formal inspection report is the most commonly accepted format.

Q5: Where can I find a certified inspection service near me?
A5: Search online for “chimney inspection near me” and look for companies with licensed professionals, strong reviews, and proper certifications.

Key Features:

Choosing the best chimney inspection company is essential for both safety and insurance compliance. Look for services that offer licensed and certified inspectors, detailed inspection reports that meet insurance requirements, flexible appointment scheduling, transparent pricing with estimates, strong customer reviews, emergency repair capabilities, and experience working with insurance adjusters. A professional, local, and reputable chimney service not only delivers quality work but also supports you in navigating insurance documentation and standards.

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Why Older Homes Need More Frequent Chimney Inspections

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Older homes possess a unique charm and architectural detail that modern construction often lacks. However, age can also lead to hidden safety concerns—especially within the home’s heating and ventilation systems. One critical aspect that requires ongoing attention is the Chimney Inspection.

Why Does Chimney Inspection Matter for Older Homes?

The condition of a chimney directly affects home safety, especially in older properties where materials may have deteriorated or previous maintenance was inconsistent. Chimneys constructed decades ago often lack modern safety features such as liners or spark arrestors and may not meet current city or state building codes. Routine inspections are essential to detect structural issues, ensure proper ventilation, and prevent fire hazards caused by flue blockages, creosote buildup, or damaged masonry. In these homes, a professional chimney sweep or certified inspector can uncover unseen hazards that threaten the safety and efficiency of the fireplace system.

What Are the Most Common Chimney Problems in Older Homes?

Older chimneys are more susceptible to specific issues that often require repair or replacement:

  • Cracked masonry and missing mortar due to years of weather exposure
  • Creosote buildup, which increases fire risk and requires regular cleaning
  • Flue obstructions such as debris, bird nests, or deteriorated brickwork
  • Water infiltration leading to rusted components, spalling bricks, or weakened structures
  • Unlined chimneys that fail to contain combustion byproducts
  • Poor draft or smoke backflow affecting indoor air quality

These issues are rarely visible to the untrained eye, which is why scheduling an annual inspection with a licensed specialist is not only recommended but often required by some insurance companies for policy compliance.

What Are the Key Benefits of Frequent Chimney Inspections?

The benefits of frequent chimney evaluations in older homes go beyond general maintenance:

  • Fire prevention: Removing hazardous creosote buildup and identifying fire risks
  • Improved air quality: Ensuring proper exhaust of smoke and gases
  • Preserving structural integrity: Preventing long-term damage from moisture and deterioration
  • Enhanced heating efficiency: A clean and functional chimney supports better fireplace performance
  • Legal and insurance compliance: Many jurisdictions and insurers require documented inspection reports
  • Peace of mind: Knowing that your fireplace system is functioning safely

By hiring a professional service or local company that specializes in chimney systems, homeowners can stay ahead of dangerous or costly surprises.

What Role Does Chimney Inspection Play in Home Safety?

A thorough chimney inspection is not merely a visual check. Certified inspectors follow established standards, often outlined by the NFPA (National Fire Protection Association). Depending on the condition and history of the chimney, an inspector may recommend a Level 1, Level 2, or Level 3 inspection, with increasing levels of detail and access.

“Annual chimney inspections are one of the most effective steps homeowners can take to protect their property and family. This is especially true for older homes, where small issues can quickly become major safety hazards.”

Inspections typically involve:

  • Camera inspections of the flue interior
  • Assessment of venting, smoke chamber, and chimney cap
  • Identifying structural damage and deterioration
  • Checking for code compliance and proper clearances
  • Providing a comprehensive inspection report

These services help homeowners avoid emergency situations that could require extensive repair or even complete chimney rebuilds.

What’s the Cost Breakdown for Chimney Inspection and Services?

Here is a typical price range for chimney inspection and related services based on current industry averages:

Service TypeAverage Price (USD)Details
Basic Level 1 Inspection$75 – $175Visual check for regularly maintained chimneys
Level 2 Inspection$200 – $500Includes video scanning, ideal for older homes
Level 3 Inspection$800 – $1,500+Invasive, requires removal of building components
Chimney Cleaning / Sweep$120 – $250Removes creosote and blockages
Chimney Repair (Minor)$250 – $750Masonry fixes, cap replacement
Chimney Rebuild (Major)$1,000 – $5,000+Structural restoration

Disclaimer: Prices vary based on location, chimney condition, access, and the company providing the service. Always request a detailed estimate and read reviews before scheduling any appointment.

What Key Features Should I Look for in a Chimney Inspection Service?

When choosing the best provider for chimney services, look for:

  • Certified professionals with NFPA or CSIA credentials
  • Clear, itemized cost estimates
  • Excellent online reviews
  • Flexible appointment scheduling
  • Full inspection report documentation
  • Knowledge of local building codes
  • Emergency or same-day service availability

Conclusion

Chimney systems in older homes demand greater scrutiny due to outdated construction, natural wear, and potential safety issues. Neglecting regular evaluations can lead to fire hazards, structural damage, and expensive emergency repairs. Engaging a certified chimney inspection specialist provides clarity, confidence, and compliance—while ensuring your fireplace operates efficiently and safely. Whether you’re maintaining your current residence or preparing for a

FAQs

Q1: How often should I schedule a chimney inspection?
A1: At minimum, once per year. Older homes or frequent fireplace users may require semi-annual checks.

Q2: Can I inspect my own chimney?
A2: No. Only a licensed, certified professional should conduct inspections to meet safety and insurance standards.

Q3: Are chimney inspections required before selling a home?
A3: In many cities and states, yes—especially for older homes. A Level 2 inspection is often mandated.

Q4: What should I expect in an inspection report?
A4: Visual findings, photographs, code compliance notes, repair recommendations, and safety ratings.

Q5: Where can I find a reputable chimney company near me?
A5: Search for “chimney inspection near me” and look for certified, highly-rated, and local companies with verified business listings and customer review.

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What Are the Signs You Need a Chimney Inspection?

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Your home’s chimney is more than just an architectural feature it’s a vital system that supports safe and efficient heating. Over time, soot, creosote, weather damage, or structural wear can compromise your chimney, leading to fire hazards or costly repairs. Homeowners often overlook their chimneys until problems surface, but routine care is essential. Recognizing the warning signs early ensures a safer and more energy-efficient home. One of the best ways to protect your family and property is through a regular Chimney Inspection.

What Does a Chimney Inspection Do?

A chimney inspection is a thorough evaluation of your chimney and fireplace system. Certified chimney technicians check for blockages, damage, and buildup that can threaten both safety and performance.

Key goals of a Chimney Inspection in Houston include:

  • Detecting creosote buildup that increases fire risk
  • Identifying cracks, leaks, or loose masonry
  • Checking the chimney cap, flashing, and crown for wear
  • Ensuring proper ventilation and airflow
  • Verifying compliance with local building codes

Signs You Need a Chimney Inspection

If you notice any of the following warning signs, it’s time to schedule a chimney inspection right away:

  • Unpleasant odors such as smoky, musty, or burnt smells from the fireplace
  • Smoke backing up into your home instead of venting outside
  • Thick black creosote or soot deposits inside the flue or firebox
  • Crumbling masonry or mortar around the chimney
  • Water leaks or stains inside the fireplace or chimney walls
  • Difficulty lighting or maintaining a steady fire
  • Birds, squirrels, or nesting materials blocking the chimney

How Often Should You Schedule a Chimney Inspection?

The National Fire Protection Association (NFPA) recommends that all chimneys be inspected at least once a year, regardless of how often they are used.

  • Light use (occasional fires): inspect annually
  • Moderate to heavy use (regular winter heating): inspect annually and clean as needed
  • Gas fireplaces: still need inspections to detect venting or gas issues
  • Real estate transactions: always schedule an inspection before buying or selling a home

Checklist: What Happens During a Chimney Inspection

Here’s what a typical Chimney Inspection in Houston appointment includes:

  • Visual inspection of chimney interior and exterior
  • Creosote buildup measurement and removal if needed
  • Checking chimney cap, flashing, and damper
  • Testing airflow and smoke ventilation
  • Evaluating masonry, mortar, and crown condition
  • Safety check for fire hazards or blockages
  • Detailed report with maintenance or repair recommendations

Benefits of Hiring a Certified Professional

Working with a professional chimney service offers peace of mind and long-term benefits.

  • Fire Safety Assurance – reduce the risk of chimney fires
  • Energy Efficiency – improve heating performance and reduce utility costs
  • Affordable Pricing – cost-effective inspection plans tailored to your home
  • Annual Maintenance Plans – keep your chimney in excellent condition year-round
  • Certified Technicians – qualified experts with training and experience
  • No-Mess Guarantee – inspections and cleanings without leaving your home dirty
  • Chimney Cap & Masonry Repairs – prevent water intrusion and structural issues
  • Real Estate Inspections – ensure safe and transparent property transactions

Chimney Inspection Pricing in Houston

Basic Chimney Inspection – $99 – Visual check for blockages and damage
Level 2 Chimney Inspection – $179 – Includes video scanning and structural review
Chimney Cleaning & Inspection – $249 – Full cleaning with detailed safety check
Real Estate Chimney Inspection – $199 – Comprehensive report for buyers and sellers

(Prices may vary depending on chimney condition and home size.)

FAQs About Chimney Inspection in Houston

Q1: How long does a chimney inspection take?
Most inspections take between 45 minutes to 1.5 hours, depending on the chimney’s condition.

Q2: Do gas fireplaces need inspections too?
Yes. Gas fireplaces may not produce creosote, but venting and gas line safety must be checked.

Q3: What’s the difference between Level 1 and Level 2 chimney inspections?
Level 1 is a basic visual check, while Level 2 includes video scanning and is required for real estate transactions or after major changes.

Q4: Can I clean my chimney myself instead of hiring a pro?
DIY cleaning misses hidden issues. Certified professionals ensure a thorough, safe job.

Q5: What happens if I ignore chimney inspections?
Neglect can lead to chimney fires, carbon monoxide leaks, and costly repairs.

Conclusion: Protect Your Home with a Chimney Inspection in Houston

Regular chimney inspections are the foundation of safe and efficient fireplace use. By recognizing the signs, scheduling yearly checkups, and trusting certified professionals, you safeguard your home from fire hazards, costly repairs, and energy waste. Don’t wait until a small issue becomes a big problem schedule your Chimney Inspection in Houston today and enjoy peace of mind knowing your home is protected.

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How Can a Chimney Inspection Prevent Costly Repairs?

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Introduction: Why Chimney Maintenance Matters

Your chimney isn’t just a passageway for smoke it’s an essential part of your home’s safety and heating system. Over time, chimneys can develop issues such as creosote buildup, cracked masonry, or hidden blockages that increase fire hazards and repair costs. That’s why scheduling a regular Chimney Inspection in New York is one of the most effective ways to prevent expensive repairs while ensuring your home stays safe and energy-efficient.

What Is a Chimney Inspection?

A Chimney Inspection is a thorough assessment of your chimney system, designed to identify safety hazards and structural problems. Certified technicians inspect the chimney interior, exterior, and components like the flue, liner, and cap. This proactive service allows homeowners to detect problems early—before they turn into major repairs.

How Often Should You Schedule a Chimney Inspection in New York?

The National Fire Protection Association (NFPA) recommends that homeowners have a chimney inspection at least once a year, regardless of how often the fireplace is used. In New York, where winters bring heavy fireplace use and storms can damage masonry, annual inspections are even more crucial.

You may need inspections more frequently if:

  • You notice smoke backing into your living space.
  • You burn wood daily during the winter.
  • You recently bought a new home.
  • Your chimney has suffered storm or fire damage.

What Happens During a Chimney Inspection in New York?

A professional inspection is much more than a quick look it’s a comprehensive check designed to ensure both safety and efficiency. Here’s what you can expect during a typical Chimney Inspection in New York:

  • Exterior assessment of masonry, mortar joints, and chimney structure.
  • Interior check of the firebox, flue liner, and smoke chamber.
  • Creosote and soot buildup measurement.
  • Inspection for blockages such as leaves, nests, or debris.
  • Evaluation of chimney cap, crown, and flashing to prevent water entry.
  • Moisture damage detection and leak identification.
  • Ventilation and airflow testing to prevent carbon monoxide hazards.

Key Features of Our Chimney Inspection Services in New York

Choosing the right chimney inspection company ensures reliable results and peace of mind. Our services include:

  • Certified Technicians – Skilled, trained, and experienced professionals.
  • Fire Safety Assurance – Thorough inspections designed to prevent chimney fires.
  • Affordable Pricing – Transparent rates with no hidden costs.
  • Annual Maintenance Plans – Year-round protection and convenient scheduling.
  • Chimney Cap & Masonry Repairs – Addressing leaks, cracks, and water issues.
  • Real Estate Inspections – Essential for buying or selling a home.
  • No-Mess Guarantee – Your home stays clean during the inspection process.

How Chimney Inspections Prevent Costly Repairs

Routine Chimney Inspection in New York isn’t just about safety it’s about saving money. Here’s how inspections help avoid expensive repairs:

  • Early detection of small cracks prevents major masonry rebuilds.
  • Identifying water leaks stops costly structural damage.
  • Cleaning creosote buildup reduces the risk of chimney fires.
  • Finding blockages early avoids damage to the liner or firebox.
  • Maintaining efficiency lowers heating bills.

Affordable Chimney Inspection Pricing in New York

Service TypeStarting PriceDescription
Basic Chimney Inspection$99Annual visual and safety inspection.
Level 2 Real Estate Inspection$175In-depth inspection with camera scan, required for home sales.
Chimney Cleaning & Inspection$225Full sweep plus detailed safety inspection.
Chimney Cap & Masonry RepairCustom QuoteRepairs for cracks, leaks, or missing chimney caps.
Annual Maintenance Plan$299/yearIncludes yearly inspection, cleaning, and priority scheduling.

FAQs About Chimney Inspection in New York

Q1: Can I skip a chimney inspection if I rarely use my fireplace?
No. Even unused chimneys can develop leaks, cracks, and blockages that require attention.

Q2: How long does a professional chimney inspection take?
Most inspections take about 45–60 minutes, depending on your chimney’s condition.

Q3: What’s the difference between Level 1 and Level 2 chimney inspections?
Level 1 is a standard visual inspection, while Level 2 involves camera equipment and is often required for real estate transactions.

Q4: Does a chimney inspection include cleaning?
Not always. Some packages combine inspection and cleaning, but others require booking both services separately.

Q5: When is the best time to schedule a chimney inspection in New York?
The best time is before winter, ideally in late summer or early fall, to ensure your chimney is safe before heavy use.

Conclusion: Book Your Chimney Inspection in New York Today

A Chimney Inspection is one of the smartest investments you can make as a homeowner. By catching small issues before they become expensive repairs, you protect your home, your family, and your wallet. With certified technicians, affordable pricing, and a no-mess guarantee, our services provide peace of mind and lasting safety. Don’t wait for costly damage schedule your Chimney Inspection in New York today and enjoy a safer, more efficient home this season.

Read More: Chimney Sweep

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What Does a Professional Chimney Inspection Include?

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Introduction: Why a Chimney Inspection Matters

Your chimney is more than just a structure attached to your fireplace it’s a key safety system in your home. Without regular care, it can develop creosote buildup, cracks, leaks, or blockages that increase the risk of fire and poor indoor air quality. That’s why scheduling a Chimney Inspection in Chicago is essential for every homeowner. A chimney inspection ensures your chimney is safe, efficient, and ready to use, while also saving you from expensive repairs in the long run.

What Is a Chimney Inspection?

A Chimney Inspection is a detailed evaluation of the chimney system, both inside and out. Certified chimney technicians assess the structure, liner, firebox, and venting system to ensure everything is working properly. This process helps detect issues early before they pose risks to your home and family.

What Does a Professional Chimney Inspection in Chicago Include?

When you book a Chimney Inspection in Chicago, certified technicians follow a proven checklist to ensure safety and efficiency. A typical inspection includes:

  • Exterior Check: Examining chimney structure, masonry, and mortar joints.
  • Interior Examination: Inspecting the flue liner, smoke chamber, and firebox.
  • Creosote & Soot Assessment: Measuring residue buildup that can spark fires.
  • Blockage Inspection: Looking for nests, debris, or obstructions affecting airflow.
  • Chimney Cap & Crown Review: Ensuring the top components prevent water or animal entry.
  • Moisture Damage Check: Identifying leaks, cracks, or water penetration issues.
  • Safety Testing: Verifying ventilation and detecting carbon monoxide hazards.

How Often Should You Schedule a Chimney Inspection in Chicago?

The National Fire Protection Association (NFPA) recommends at least one chimney inspection every year. In Chicago, where cold winters mean frequent fireplace and heating use, annual inspections are even more important.

You may need inspections more often if:

  • You use your fireplace daily during winter.
  • You notice smoke backing into your home.
  • You’ve had storm damage, leaks, or chimney fires.
  • You are buying or selling a property.

Pairing annual inspections with professional cleaning helps ensure your chimney remains safe and efficient all year.

Key Features of Our Chimney Inspection Services in Chicago

When you choose a professional Chimney Inspection in Chicago, you benefit from:

  • Certified Technicians – Skilled and licensed experts you can trust.
  • Fire Safety Assurance – Thorough checks to minimize fire risks.
  • Affordable Pricing – Competitive, transparent rates with no hidden fees.
  • Annual Maintenance Plans – Easy scheduling for year-round protection.
  • Chimney Cap & Masonry Repairs – Preventing leaks and structural issues.
  • Real Estate Inspections – Meeting requirements for home sales or purchases.
  • No-Mess Guarantee – Inspections and cleaning without leaving your home dirty.

Benefits of Hiring a Certified Chimney Inspector

Investing in a professional Chimney Inspection in Chicago provides long-term benefits:

  • Enhanced Safety: Reduces risks of chimney fires and carbon monoxide leaks.
  • Cost Savings: Detects problems before they require expensive repairs.
  • Efficiency: Helps your fireplace or stove heat your home more effectively.
  • Property Value: Maintains your home’s structural integrity and resale value.
  • Peace of Mind: Confidence that your chimney is safe to use every season.

Affordable Chimney Inspection Pricing in Chicago

Service TypeStarting PriceDescription
Basic Chimney Inspection$99Annual safety and visual inspection.
Level 2 Real Estate Inspection$175Required for home sales; includes camera scan.
Chimney Cleaning & Inspection$225Full sweep plus professional inspection.
Chimney Cap & Masonry RepairCustom QuoteTailored repairs for leaks, cracks, or missing caps.
Annual Maintenance Plan$299/yearIncludes yearly inspection, cleaning, and priority scheduling.

FAQs About Chimney Inspection in Chicago

Q1: How long does a chimney inspection take?
Most inspections take 45–60 minutes, depending on your chimney’s condition.

Q2: Can I skip a chimney inspection if I rarely use my fireplace?
No. Even unused chimneys can develop structural damage or blockages.

Q3: What is the difference between Level 1 and Level 2 chimney inspections?
Level 1 is a basic visual inspection; Level 2 includes advanced tools and is required for property transactions.

Q4: When is the best time for a chimney inspection in Chicago?
Schedule in late summer or early fall before heavy winter fireplace use.

Q5: Do chimney inspections come with cleaning?
Not always. Some packages include both; others may require booking a separate cleaning.

Conclusion: Book Your Chimney Inspection in Chicago Today

A professional Chimney Inspection is one of the smartest investments a homeowner can make. From ensuring safety to improving heating efficiency, inspections protect both your family and your property. Whether you need an annual check, a real estate inspection, or a full cleaning service, certified professionals in Chicago provide reliable solutions with affordable pricing and no-mess service. Don’t wait until small problems turn into major risks schedule your Chimney Inspection in Chicago today for a safer, more efficient home.

Read More: Chimney Sweep