Credit crunch brings chimney fire danger

To avoid the risk of fire, rural insurer NFU Mutual is urging homeowners to check that their chimney is swept and in good condition before using their fireplace for the first time this winter.

The warning comes as people throughout the land turn to open fires and wood burners to avoid high gas and central heating oil costs and follows a roof fire in Evesham, Worcestershire that damaged a number of cottages.

Jan Holtham, Personal Underwriter from NFU Mutual said, "Any home can be at risk of fire and conventional roofs are as much at risk as thatched roofs. However, if a thatched roof ignites, the results can be devastating. Sweeping chimneys regularly is therefore especially important in thatched houses as around 90 per cent of thatch fires are caused by chimneys.

"The risk of chimney fires doesn't mean you can't enjoy the warmth of an open fire or wood burning stove. As with many things, it is simply a matter of exercising common sense."

There are plenty of checks that you can make to protect your property but you can also talk to a qualified thatcher for further tips on preventative measures. Your local fire officer will also often carry out a free site visit as they are keen to know of the whereabouts of every thatched property in their area, especially as they are often old with poor water supply and access

NFU Mutual's tips for fire safety in the home

Have your chimney swept to make sure it is clean before you light your fire

Have your chimney checked to ensure that the brick or stone work is in good condition

Having your chimney lined is a sensible precaution.

When installing a stove, make sure you employ a professional with experience

Keep any eye on the flue temperature by fitting a flue thermometer.

Do not burn wet or unseasoned wood, as this will leave greater deposits in the flue.

Locate smoke alarms and appropriate fire extinguishers throughout the property.

If in a thatched property, ensure that the top of the chimney stack is at least five feet above the thatch, allowing sparks to escape and die-out before they settle on the thatch.

An insulated lining should be fitted where the stack passes through the thatch.