Chimney Neglect Poses Fire Risk to Czech Homes and May Impact Insurance Claims

Czech Republic – October 18, 2023 – The onset of the heating season brings to light the importance of proper chimney and furnace maintenance. Firefighters and insurers in the Czech Republic are warning homeowners not to underestimate the upkeep of their chimneys, as neglect can lead to devastating fires and other consequences.

The failure to maintain a chimney can result in fires, causing extensive property damage, carbon monoxide poisoning, and toxic emissions from gas appliances. Furthermore, insurance companies may reduce claim payouts in cases where inadequate chimney care is evident.

In a report by ČSOB Insurance Company, it is revealed that chimney neglect led to 1,245 fires. Homeowners who disregard or underestimate the significance of scheduling an annual chimney sweep risk facing substantial fines from the Fire and Rescue Service. These fines can range from thousands of Czech koruna for individuals to up to 100,000 CZK for legal entities and self-employed individuals.

Chimney inspections should be conducted at least once a year, with additional checks required depending on usage frequency. As the heating season begins, increased chimney utilization heightens the risk of fires, especially among those who ignore regulatory obligations outlined in the Chimney Decree. Proper chimney maintenance serves as a preventive measure, ensuring the safety of residents and property.

In 1,118 cases last year, fires occurred due to soot ignition, a natural byproduct of combustion. The quality of fuels burned and the moisture content of wood significantly contribute to soot formation. The inclusion of substances that should not be burned, such as plastics, textiles, or beverage packaging, can also lead to soot accumulation. Chimney fires caused 66 million CZK in direct damages and injured 28 individuals.

When is Chimney Inspection Necessary?

  • When a new flue route is put into operation.
  • When changing the type of fuel due to chimney modifications.
  • Before replacing fuel-burning appliances.
  • In the event of chimney or flue route damage.

Chimney sweep Radek Prudký from MámČistýKomín company emphasizes the importance of considering what is burned and how it is burned. In addition to maintaining a clean chimney route, homeowners must ensure free access to flue outlets and cleaning openings. The expertise of a chimney sweep can be verified through the Czech Chimney Sweep Association’s website or by contacting the local fire department. Inspections and cleaning are recommended in spring after the heating season concludes, but if neglected, an inspection should be arranged before utilizing the chimney.

In the event of a fire caused by chimney or soot ignition, insurance companies investigate the causal relationship between the flue route defect and the extent of damage. If the affected party is a tenant, homeowners must provide evidence of fulfilling their obligations, says Zdeněk Hruška from Uniqa Insurance Company. Proactive chimney maintenance not only mitigates the risk of fires but also helps homeowners ensure full insurance coverage in case of accidents.

Article by Prague Forum

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