This article explores the differences of home emergency and home emergency plus cover - and how you could benefit from it.
This article was updated on the 31st October 2025
A warm fire can make any home feel welcoming, especially in the colder months. But behind that comfort lies an important responsibility – chimney safety. Poorly maintained chimneys are a major cause of house fires every winter in the UK, yet most are preventable with simple, regular care.
This guide explains how to keep your chimney safe, what maintenance is required, and how to reduce the risk of chimney fires or carbon monoxide poisoning.
Each year, thousands of chimney fires occur in homes across the UK. According to the National Fire Chiefs Council (NFCC), fire and rescue services attend around 3,000 to 4,000 chimney fires annually, most of which start because chimneys haven’t been cleaned or maintained properly.
Beyond fire risks, poorly ventilated chimneys can allow dangerous gases such as carbon monoxide to enter living areas. Carbon monoxide is colourless and odourless, making it impossible to detect without an alarm. Every home that uses an open fire or wood-burning stove should have a carbon monoxide detector fitted nearby.
Most chimney fires begin with creosote, a flammable tar-like substance that builds up when wood or coal isn’t burned completely. Other contributing factors include:
By recognising these risks early, you can take action before they cause serious damage.
The frequency depends on the type of fuel you use. Professional chimney sweeps generally recommend:
Always use a qualified professional registered with recognised bodies such as The National Association of Chimney Sweeps (NACS), APICS or HETAS. They can spot early signs of structural issues, blockages or damage to chimney liners.
The way you use your fireplace or stove makes a big difference to safety and efficiency:
Regular observation can prevent larger issues. Contact a professional if you notice:
Never attempt to repair chimney structures yourself, always seek professional advice to ensure it remains safe and compliant with UK building regulations.
If you think your chimney has caught fire:
More advice is available from your local fire and rescue service or the Fire Kills campaign.
Most home insurance policies cover fire damage as standard, including chimney fires. However, insurers may refuse a claim if the fire was caused by neglect or poor maintenance. Regular sweeping, use of appropriate fuel and professional installation all help demonstrate responsible upkeep, which can make a difference if you ever need to claim.
If you own an older or unusual property, check that your insurer covers non-standard construction and heating systems. You can learn more about this on our non-standard home insurance page.
Keeping your chimney clean is just one way to prepare your home for the colder months. For more practical advice, read our article: Is your home ready for winter?
This article explores the differences of home emergency and home emergency plus cover - and how you could benefit from it.
This article explores the differences of home emergency and home emergency plus cover - and how you could benefit from it.
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