Insurance Tips: Chimney Safety Alert (continued)

Structural damage also occurs in masonry chimneys, often associated with deterioration or improper installation of the chimney. The tile inner liner and the surrounding brick or block structure may crack and separate, perhaps as a result of the ignition of creosote that has built up in the chimney. Many old chimneys do not have a tile liner. If your chimney does not have a liner, the addition of a properly installed liner is advisable. Also, a clay liner should be sealed with refractory cement.

Even when the heating appliance is properly installed, people with either metal or masonry chimney systems should frequently check the chimney for creosote deposits, soot build-up, or physical damage. This involves only a simple visual examination, but it should be done as often as twice a month during heavy use. If you see heavy creosote buildup, suspect a problem, or have had a chimney fire, a qualified chimney repairman or chimney "sweep" should perform a complete safety inspection. They can arrange for any necessary repairs or creosote removal, which must be done before the heating appliance is used again.

There are products now available which, according to recent tests conducted by independent laboratories, show promise for reducing the production of creosote and harmful pollutant emissions. Advance wood stove designs appear to provide more complete combustion of the fuel. Catalytic combustors appear to achieve similar results, and are available with new stoves or as separate components which can be installed between the flue gas exit and the chimney connector of existing stoves.

The Commission advises owners of all chimneys to:

• Be sure that the chimney and stovepipe were installed correctly in accordance with the manufacturer's recommendations and local codes. If there is any doubt, a building inspector or fire official can determine whether the system is properly installed.

• Minimize creosote formation by using proper stove size and avoiding using low damper settings for extended periods of time.
  
  
• Have the chimney checked and cleaned routinely by a chimney "sweep" at least once a year. Inspect it frequently, as often as twice a month if necessary, and clean when a creosote buildup is noted.
  
  
• Always operate your appliance within the manufacturer's recommended temperature limits. Too low a temperature increases creosote buildup, and too high a temperature may eventually cause damage to the chimney and result in a fire.
  
  
• Frequently look for signs of structural failure.