Homeowner guides

Straight answers for the moments that matter

Buying a house with a fireplace, dealing with a chimney fire, or holding a big quote — here’s what to know.

Buying a home with a fireplace

What “recommend further evaluation” really means

A general home inspector looks at what’s readily visible: the chimney exterior, the firebox, maybe the view up from the damper. They usually can’t see inside the flue, so the report says to have a chimney professional evaluate it.

That note isn’t a verdict either way. It means nobody has looked at the part that matters most yet.

NFPA 211 calls for a Level II inspection when a property is sold or transferred. That covers everything in a routine check plus the accessible attic, crawl space and basement, and a camera scan of the flue.

NFPA 211 §15.4.1(3), §15.4.2

Buyer’s checklist

  • Book it inside your inspection window. Camera scans can take a few days to schedule in fall.
  • Ask the seller when it was last swept and inspected, what was burned, and about any past chimney fires or gas conversions.
  • Get photos or video with the report, so you’re negotiating on what’s actually there.
  • Sort the findings: a hazard is worth negotiating over; “differs from current standard” on an older house often isn’t a defect at all.
  • Get a second opinion on a big liner or rebuild quote before it becomes a price cut or a repair credit.
Chimney fires

During, after, and before you use it again

Signs of a fire happening now

  • Loud cracking and popping in the chimney
  • A roar like a train or low-flying plane
  • Thick smoke, or flames or sparks from the top
  • A strong, hot smell

Get everyone out and call 911. Don’t go on the roof.

Signs you may have had one

  • Puffy, honeycombed creosote
  • Warped damper or other metal parts
  • Cracked or missing pieces of flue tile
  • Distorted or discolored chimney cap
  • Creosote flakes on the roof or ground
  • Cracks in the masonry, or smoke leaking through joints

Slow chimney fires often go unnoticed until someone looks inside.

Before you burn again

  • A Level II inspection with a camera scan is called for after a chimney fire.
  • If damage can’t be judged without opening walls, that part goes to Level III.
  • Take photos and keep the written report — it helps if you file an insurance claim.
  • Prevent the next one: burn dry, seasoned wood, sweep regularly, and use a flue sized for the appliance.

NFPA 211 §15.4.1(4), §15.5.2

Is this quote reasonable?

Questions to ask about any chimney recommendation

Hold any company’s quote up to these — including ours. A good recommendation answers every one of them without pressure.

  1. Did they show you the problem? Photos or video of the specific crack, gap, missing mortar or damage.
  2. Is it a hazard, a deficiency, or just different? “Doesn’t meet current code” on an older chimney isn’t the same as unsafe. NFPA 211 isn’t retroactive unless there’s a real hazard.
  3. What code section, and which edition? A real code issue can be pointed to.
  4. Does the size make sense? Check it against your stove collar or fireplace opening with our liner sizing calculator.
  5. Which liner, which insulation, and which manual? Ask for the brand, model and installation manual. Make sure the insulation is listed for your chimney’s clearance situation and that a protective mesh goes over any wrap.
  6. Is there a smaller fix? Replacing a few tiles, parging the smoke chamber, or reducing a fireplace opening can sometimes solve it.
  7. Whose warranty, and what voids it? Lifetime liner warranties usually depend on installation per the manual.
  8. Is a permit needed? Ask whether your city requires one for the work.
  9. Are you being rushed? “Don’t use it until we reline” should come with a hazard you can see.

Want a second opinion?

Send the quote and any photos to 612-402-9249. We’ll tell you whether it makes sense — including when it does.

See also: our inspection approach and the clearance guide.