When hiring a chimney sweep in Fort Collins, ‘licensed and insured’ isn’t just a formality, it’s your protection. Some homeowners assume all certified pros are the same, but local rules and coverage details vary. Otter Chimney Co holds active state licensing, full liability insurance, and offers free estimates. Here’s what to check before booking, and why it keeps you safe.
Myth: ‘Licensed’ in Fort Collins means the same thing for every chimney sweep company
Colorado requires chimney sweeps to hold a state contractor’s license, but not all companies display it clearly. Ask to see proof, our license number is posted on our about page, and we’re happy to share it during your visit. Many sweeps in Fort Collins skip this step, leaving homeowners vulnerable if something goes wrong. For example, if a crew damages your masonry while cleaning, insurance only covers you if the company is properly licensed. We’ve seen cases where unlicensed crews left homeowners paying thousands for repairs. Check our service areas to confirm we cover your neighborhood.
Fact: Insurance might cover more than you realize, if you know the right questions to ask
A ‘licensed’ sweep might have basic insurance, but full coverage includes worker’s comp, liability for property damage, and even protection if a fire starts during service. Otter Chimney Co carries all three, and we’ll show you our certificate before starting work. Here’s what to ask: Does your insurance cover damage to my chimney liner or fireplace? (Most don’t.) What happens if a crew member gets hurt on my property? (Some sweeps blame the homeowner.) We’ve had Fort Collins homeowners tell us they were charged extra after hiring uninsured crews, so we make sure you’re protected upfront. Book a free estimate to see our coverage in action.