Insurance & Safety Requirements
What NZ homeowners need to know about insurance requirements for wood burners and chimneys. Covers policy conditions, documentation you need to keep, what can void your cover, and how to protect yourself after a chimney fire.
Quick Answer
Most NZ home insurance policies require annual chimney sweeping, a compliant installation with a Code Compliance Certificate, and properly maintained wood burner components. Missing any of these can void your fire cover.
Key Takeaways
- Annual chimney sweep certificates are the single most important document for insurance compliance
- A Code Compliance Certificate (CCC) proves your wood burner was legally and correctly installed
- Non-compliant or DIY wood burner installations can void your entire fire-related insurance cover
- After a chimney fire, contact your insurer immediately — even if the damage appears minor
- Keep a folder with your CCC, sweep certificates, and any repair invoices — you'll need them for claims
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Frequently Asked Questions
Can my insurance be voided because of my chimney?
Yes. If your chimney hasn't been swept annually, your wood burner was installed without building consent or a CCC, or you've made unauthorised modifications, your insurer can decline fire-related claims. Keep all maintenance records.
What documents do I need for chimney insurance compliance?
Keep your Code Compliance Certificate (from the original installation), annual chimney sweep certificates, and invoices for any repairs or modifications. These prove you've maintained the installation to the required standard.
What should I do after a chimney fire for insurance?
Call 111 if the fire is active. Once safe, contact your insurer immediately. Do not use the chimney until it has been professionally inspected. Keep the Fire and Emergency NZ incident report number for your claim.
Need a chimney sweep?
Tell us where you are and what you need. We'll match you with a verified local sweep and have them in touch within one business day.